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    Home Debt Collection Agencies Monterey Financial Services

    How to Remove Monterey Financial Services, LLC from Your Credit Report

    credit report showing monterey financial collection account

    At a glance

    • Monterey Financial Services is a debt collection agency based in Oceanside, CA.
    • We'll discuss what they do, what your rights are, and how to get them off your credit report.
    • Collections on your credit report are very damaging to your credit score.

    Get expert help. Call now to remove Monterey Financial Services from your credit report.

    Call (855) 764-0034 Tap to Call

    Specialists available Monday to Friday, 10AM - 8PM EST.

    Written by FinanceJar Team

    Sep 15, 2022

    Fresh advice you can trust

    We promise to always deliver the best financial advice that we can. Our writers and editors follow strict editorial standards and operate independently from our advertisers and affiliates. Learn more about how we make money.

    Having a debt sent to collections is scary—especially if you didn’t even realize you owed anyone money. Monterey Financial Services LLC is a debt collection agency you may have never heard of before, but that won’t stop them from asking you for payments if they think you owe an overdue debt.

    Thankfully, you have the power to dispute collections and stop Monterey Financial from contacting you. Here’s everything you need to know about what kind of company Monterey Financial Services is and what your debt collection rights are.

    Table of Contents

    1. What is Monterey Financial Services?
    2. What kind of debts does Monterey Financial Services collect?
    3. Is Monterey Financial Services a scam?
    4. How to deal with Monterey Financial Services

    What is Monterey Financial Services?

    Monterey Financial Services LLC is a debt collection agency that’s been in business since 1989. 1 They’re based in Oceanside, California, but they also service clients in Canada and Mexico. 2

    In addition to collecting debts, they service loans and offer other financial management solutions. 3 In particular, they help retail companies set up purchase financing options for their customers.

    As a third-party debt collection agency, Monterey Financial collects overdue debts that consumers owe to various businesses.

    In addition to Monterey Financial Services, the company also goes by the following names:

    • Monterey Loan Servicing
    • Monterey Collection Services
    • Monterey Billing Services

    What kind of debts does Monterey Financial Services collect?

    Monterey Financial collects consumer debts in a wide range of industries. In particular, they often collect debts owed to retailers through financing agreements.

    According to the company’s website and complaints that consumers have filed against them on the Better Business Bureau website, Monterey Financial Services collects money on behalf of the following companies: 1

    • Pet stores
    • Firearm retailers
    • Makeup companies
    • Timeshare companies
    • Auto lenders
    • Travel agencies
    • Sporting goods retailers
    • Medical care providers
    • Health clubs
    • Dating services
    • Golf courses

    Is Monterey Financial Services a scam?

    No, Monterey Financial Services isn’t a scam. They’re a legitimate debt collection agency and financial services company, and they’re accredited by ACA International. 

    Nevertheless, it’s possible for scammers to pose as real debt collectors from Monterey Financial in an attempt to rob you of your money. Always verify your debts before making any payments or providing personal information to someone contacting you about a debt.

    To verify that you actually owe the debt and find out who your original creditor was, contact Monterey Financial Services directly using the contact information below.

    Monterey Financial Contact Information

    If you want to remove Monterey Financial from your credit report, write to their address:

    Monterey Financial Services Logo

    Address: 4095 Avenida De La Plata
    Oceanside, CA 92056
    Phone Number: (800) 456-2225
    Website: www.montereyfinancial.com

    Disputing an incorrect entry on your credit report can be stressful and difficult. Consider working with a professional.

    How to deal with Monterey Financial Services

    Ready to take control of your debt with Monterey Financial Services? Choose the methods you want to attempt below.

    Dispute Collections

    If the debt is inaccurate, learn how to
    remove the collection from your
    credit report
    .

    Stop Harassment

    If your rights are being violated,
    learn how to fight back using protections
    under federal law.

    Verify Debt

    If you're not certain the debt is yours,
    request more information (and
    temporarily stop collection efforts).

    Pay Debt Collector

    If you're ready to pay up, learn how to
    do it in a way that keeps you on better
    financial footing.

     

    Other Collection Agencies

    • MRS Associates
    • MRS BPO, LLC
    • MetCredit
    • Michael J Adams PC
    • Midland Credit Management
    • MiraMed Revenue Group
    • Modern Adjustment Bureau
    • Mountain Land Collections
    • Mountain Run Solutions
    • National Consumer Group

    Article Sources

    1. Better Business Bureau. "Monterey Financial Services" Retrieved September 15, 2022.
    2. Monterey Financial Services. "Finance" Retrieved September 15, 2022.
    3. LinkedIn. "Monterey Financial Services, LLC" Retrieved September 15, 2022.

    FinanceJar Team

    Staff Writers & Editors

    View Author

    The FinanceJar Team is a group of financial experts, writers, and industry professionals who collaborate to bring you fresh and simple insights into your finances. They're dedicated to guiding you toward the right path on your financial journey.

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