What does MERCHANTS & MEDCAL mean on my credit report?

Learn about MERCHANTS & MEDCAL, an creditor offering loans for financial assistance. Check the impact to your credit report and financial status.

Updated January 1, 2023
Header image


MERCHANTS & MEDCAL is shorthand for Merchants & Medical Credit inc, with the company name being Merchants & Medical Credit inc Inc

Multifunctional Agency that provides Medical Billing and Collection Services to locally based, State and National Clients.

MERCHANTS & MEDCAL is a Creditor provider. They could be on your report for a number of reasons, for example:

  • ⚫ You missed a repayment.

  • ⚫ You opened an account with Merchants & Medical Credit inc.

  • ⚫ You opened a credit card / loan / mortgage with this company.

  • ⚫ Someone fraudulently opened a credit line under your name.

How do I contact them?

Here is the current contact details for Merchants & Medical Credit inc:


  • 6324 Taylor Dr, Flint, MI 48507, United States





To make a payment, you can call 1-800-225-8770, visit the website, or visit in person. You may be able to use a mobile app, prepaid debit card, or wire transfer. If you make a late or missed payment, there may be penalties.

Question Answer
Do they offer a monthly payment plan? No
Can I make payments over the phone? Yes
Can I make payments online? Yes
Can I make a payment using a mobile app? Yes
Can I make a payment using a prepaid debit card? Yes
Can I make a payment using a wire transfer? Yes

Forgiveness and Cancellation

Our Financial Services team offers loan consolidation services. We provide the expertise to help you identify the best loan consolidation plan for your individual financial goals and needs. We strive to provide you with the most competitive terms, consolidation options, and repayment models. Loan forgiveness is available to certain borrowers who qualify. Generally, applicants must meet certain income, employment, and repayment criteria. To be eligible for loan forgiveness, borrowers must make payments for a certain number of years and must meet other requirements set by the loan servicer.

Question Answer
Do they offer loan forgiveness? No
Do they offer loan consolidation? Yes

How to Apply

you cannot apply for a loan online, over the phone, or in person. you can apply for a loan with a cosigner.

Question Answer
Can I apply for a loan online? No
Can I apply for a loan over a phone call? No
Can I apply for a loan in person? No
Can I apply for a loan using a mobile app? Yes
Can I apply for a loan with a cosigner? Yes

Will this affect my credit score?

Whether this account affects your credit score depends on a variety of factors, such as:

  • Account Open Date: If you opened this account recently it will impact your credit, the only way to prevent this from impacting your credit score is to remove the account from your report.
  • Derogatory Markings: If this account has any derogatory markings such as: Lates, Charge Offs, Collections and others.

However, there are could be some potential positive aspects to this account which could lead to improving your credit score, such as:

  • Account Age: If your account is quite old, then the age of it will positively impact your credit score
  • Repayment History: If the account has no Late Payments, Charge off Payments, then it may reflect a positive impact onto your credit score.

Can it be removed from my credit report?

Yes, with the right strategy, you will be able to remove any account from your report. But you have to be careful to ensure that the account is negative to begin with, or it will negatively impact your credit score.

However, removing a negative account will positively impact your credit score, allowing you to open new credit lines and potentially removing bad debt.

How do I remove MERCHANTS & MEDCAL from my credit report?

You can send a dispute letter to the credit bureaus to remove this account from your report. You must send a dispute letter to all three credit bureaus, as they are legally required to remove the account from your report if it is found to be inaccurate. For best results you should send a dispute letter to the credit bureaus via certified mail, this will ensure that you have a legal record of the communication.