402-397-8855 Called You?

Who Is 402-397-8855 ?

402-397-8855 belongs to Merchants Credit Adjusters. They’re a debt collector reporting a collection account on your credit report.

This can mean 2 things:

 
1. They’ve purchased your debt from the original creditor (such as a credit card company), and they’re now calling you to collect that debt.
 
2. They don’t own the debt themselves, but are being paid to collect on behalf of another company.

The worst part is you now have a collections account on your credit report, which will be hurting your score. It also lowers your chances of being approved for credit (at least with good interest rates).

How Can I Get 402-397-8855 to Stop Calling Me?

There are a number of ways you can go about this, but the easiest one (which we highly recommend), is to reach out to a company that specializes in dealing with debt collectors, such as Credit Sage.

Call us today on (855) 677-2127 and speak with one of our friendly collection specialists. They’ll review your credit report with you (for free), and walk you through your best options.

The best news? We’ve helped thousands of customers remove Merchants Credit Adjusters from their credit reports (without having to pay their debt). When Merchants Credit Adjusters is removed from your report:

 
• They will stop calling you
 
• Your credit score will increase

Dealing with 402-397-8855 If You Owe the Debt

If you've been receiving calls from 402-397-8855, it's likely from debt collectors at Merchants Credit Adjusters. It's important to take these calls seriously and handle them in a timely manner so that your credit score doesn't suffer.

First, take a deep breath and take the time to collect all of the relevant information about the debt. This includes the original creditor, amount owed and date incurred. With this information in hand, you can better negotiate a payment plan or settlement that works for both parties.

When speaking with the debt collector, be courteous but firm. Ask for proof of debt and negotiate an arrangement that fits within your budget. Make sure to keep detailed records of all communication and payments made in case of disputes down the line.

Dealing with Inaccurate Information on Your Credit Report from Merchants Credit Adjusters

If you spot inaccurate information on your credit report from Merchants Credit Adjusters, it's important to take action quickly. First, request a copy of your credit report and review it thoroughly for any errors or discrepancies.

If you find an error, gather the supporting evidence and write a letter to the credit reporting agency explaining the inaccuracies. Include copies of any relevant documents such as canceled checks or correspondence with Merchants Credit Adjusters. Additionally, contact Merchants Credit Adjusters directly to make them aware of the mistakes and ask that they update their records. Keep copies of all correspondences for your own protection.

Accurate credit information is essential for maintaining a good score, so don't be afraid to persist in getting any issues corrected on your credit report.