Serving You Since 1898

Retail Merchants Association, Inc

Serving You Since 1898

(318) 222-4641 620 Crockett St. Shreveport, LA 71101

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Web Resources

annualcreditreport.com

Phone Resources

Experian: 1-888-397-3742
Trans Union: 1-800-888-4213
Equifax: 1-800-685-1111

Debtors Creditors

Do you report to the credit reporting agencies?

Yes, we do. At this time, we report monthly to Experian and TransUnion.

What will happen if I do not pay my account(s)?

Please contact our office to see what type of arrangements can be made. If no payment arrangements are made, the account(s) may be reviewed to pursue further action.

How do I get a copy of my credit report?

You can access www.annualcreditreport.com and receive a free credit report from all three credit reporting agencies annually.

Can a collector call my place of employment?

Yes, they are able to call your place of employment. They are allowed to check to see if you work there but they are not allowed to disclose the reason for the call.

What do I do if I have a debt listed on my credit file that I do not owe?

If you have questions, contact our office by mail to request details. Due to privacy concerns, this information cannot be provided by fax or e-mail. Please write to Retail Merchants Association, Inc. 620 Crockett St. Shreveport, LA 71101 We accept such request electronically at info@retailmerchantsinc.com

Can collectors call the debtors place of employment?

Yes, but they are only able to verify employment. They are not allowed to disclose that the debtor owes money to anyone other then the debtor.

Why turn debt over to a collection agency?

We know that your time is valuable. Turning your unpaid debts over to us allows you the opportunity to focus your efforts on your business instead of trying to collect on these debts.

Can I charge extra fees in addition to the debt?

If the contract or written agreement with the original creditor states the customer will pay additional charges, late fees, interest, attorney fees for an unpaid account(s), these expenses can be added.

Can you file a lawsuit against a debtor?

We do have access to legal representation to file suit against a resistant debtor.

What if I don’t know where the debtor is located?

We have access to many databases that allow us to locate a debtor for you. Just provide us with the best information that you can, and we will do the rest.

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Serving You Since 1898

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