What does SMITHROUCHON mean on my credit report?

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

Updated January 1, 2023
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SMITHROUCHON is shorthand for Smith Rouchon & Associates, with the company name being Smith Rouchon & Associates Inc

Medical debt collection services nationwide for over 25 years; retail recovery accounts, commercial collections, no fee charged unless we collect for you: SRA-Collection Agency careers in credit collections.

SMITHROUCHON 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 Smith Rouchon & Associates.

  • ⚫ 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 Smith Rouchon & Associates:


  • 1456 Ellis Ave, Jackson, MS 39204, United States





payments can be made through SRA’s toll free numbers, 1.800.391.8018 and 1.800.804.4280. they do not offer a monthly payment plan. refunds will be issued within 3 business days after a credit or balance due is validated. Refunds can be issued as a refund check, ACH deposit, or credit to the card type used to make the payment. If the payment type is no longer valid, written authorization to refund to another type of account may be requested. SRA offers toll free phone payments at 1.800.391.8018. you can make payments online by completing the required information and selecting a payment method. Please note that payments entered on weekends or holidays will be processed the next business day and payments entered during business hours may take up to 24 hours to post to your bank/credit card account. Refunds will be issued within 3 business days. Smith, Rouchon & Associates Inc. offers payment services through their website and mobile app which can be used to securely make payments using credit card information, social security numbers, and other personal information. there are no penalties for late or missed payments.

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

How to Apply

you cannot apply for a loan online with Smith, Rouchon & Associates.

Question Answer
Can I apply for a loan online? No

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 SMITHROUCHON 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.