Who Called From 731-642-8454?
Short answer: 731-642-8454 is a number used by Mid-South Credit Bureau (Mid-South Credit Bureau), a third-party collection agency based in Paris, TN — documented consumer line (public directory record). They are almost certainly trying to collect a debt, most often consumer accounts. You are not required to answer or say anything — and you have the right to demand written proof before you pay a cent.
Whose Number Is 731-642-8454?
The number 731-642-8454 is used by Mid-South Credit Bureau (documented consumer line (public directory record)), a third-party collection agency in Paris, TN. For the full company profile — ownership, history, and known aliases — see our complete Mid-South Credit Bureau guide. This page focuses on the calls coming from 731-642-8454 specifically.
About this specific number
- 📞 Number: 731-642-8454 (area code 731, ending in 8454)
- 📍 Line type: Direct-dial — resolves to the 731 area code.
- 🏢 Operator: Mid-South Credit Bureau, a third-party collection agency in Paris, TN.
- 🔢 Related lines: Mid-South Credit Bureau is documented using 1 number in our directory, so calls may also come from other digits.
731-642-8454 is a direct-dial number tied to the 731 area code, which is why the call may have appeared "local" on your caller ID even though Mid-South Credit Bureau operates out of Paris, TN.
Some carriers display 731-642-8454 under a spoofed or neighboring city name. Do not trust the on-screen label — trust the written validation you request from Mid-South Credit Bureau.
On your caller ID, in voicemails, or in letters, this company can also appear as: Mid-South Credit Bureau.
Why Is Mid-South Credit Bureau Calling Me From 731-642-8454?
In our directory, 731-642-8454 is tracked as a documented consumer line (public directory record) for Mid-South Credit Bureau, which typically collects consumer accounts. A call from 731-642-8454 usually happens because:
- ✅ An original account (a consumer accounts, for example) went unpaid and was charged off by the creditor.
- ✅ The account was placed with Mid-South Credit Bureau to collect on behalf of the original creditor.
- ✅ Mid-South Credit Bureau is now dialing you from 731-642-8454 and possibly other lines to reach a resolution.
Calls from 731-642-8454 often come right after a billing cycle closes. Some people report that 731-642-8454 calls once and hangs up, then tries again from a different Mid-South Credit Bureau line hours later. A single missed call is not proof of a valid debt. When 731-642-8454 shows up on your caller ID, it is worth checking whether the Mid-South Credit Bureau account also appears on your credit report. A phantom call with no tradeline may signal an unvalidated or misrouted debt. Bottom line — make Mid-South Credit Bureau prove the consumer accounts in writing first.
Important: a phone call — even from a real number like 731-642-8454 — does not prove you owe the debt, that the amount is correct, or that Mid-South Credit Bureau can legally collect it. That is exactly why your validation rights matter.
What NOT to Say If You Answer 731-642-8454
Anything you say to Mid-South Credit Bureau can be used to collect. Protect yourself — avoid these common mistakes on the call.
Don't admit the debt is yours
When 731-642-8454 calls, saying "yes, that's mine" or apologizing can be treated as acknowledging the debt — which may reset the statute of limitations. Neither confirm nor deny until you've seen written validation from Mid-South Credit Bureau.
Don't agree to a payment on the spot
A single payment to Mid-South Credit Bureau — even a small "good-faith" one — can restart the clock on an old debt and make it collectable again. Never authorize a payment over a call from 731-642-8454.
Don't give bank or card details
Do not read out your bank account, debit, or credit card number to anyone calling from 731-642-8454. Any legitimate Mid-South Credit Bureau resolution can be handled in writing after validation.
Don't confirm personal information
Avoid confirming your SSN, date of birth, employer, or address to the 731-642-8454 caller. If it truly is your Mid-South Credit Bureau account, they should already have what they need and must prove it.
What To Do If 731-642-8454 Keeps Calling
Here are concrete next steps for this specific Mid-South Credit Bureau line. Work through them in order — each one strengthens your position before you ever discuss the debt.
- 1
Save 731-642-8454 as a contact labeled "Mid-South Credit Bureau — do not answer" so you can screen future calls with confidence.
- 2
Do not return the call to 731-642-8454 until you have the account details in writing — a call-back can be treated as engagement.
- 3
Ask, in writing, that Mid-South Credit Bureau identify the original creditor behind the 731-642-8454 calls and the date the debt was opened.
Your Rights When Mid-South Credit Bureau Calls From 731-642-8454
The Fair Debt Collection Practices Act (FDCPA) and Fair Credit Reporting Act (FCRA) give you real leverage. Here is the debt-validation playbook we use at Crowned Credit.
1. Demand Debt Validation (FDCPA §809)
Within 30 days of first contact, send Mid-South Credit Bureau a written debt-validation letter. They must prove the debt is yours, the amount is right, and they have the legal authority to collect — or stop collecting.
2. Dispute With the Bureaus (FCRA §611)
If Mid-South Credit Bureau reported a tradeline, dispute it with Equifax, Experian, and TransUnion. They have 30 days to investigate; unverifiable items must be corrected or deleted.
3. Log the Calls
Write down every call from 731-642-8454: date, time, and what was said. Repeated calls, calls at odd hours, or threats can be FDCPA violations — and leverage for you.
4. Send a Cease-and-Desist
You can demand in writing that Mid-South Credit Bureau stop calling you entirely. The calls must stop, even though they may still report or pursue other legal steps.
5. Check the Statute of Limitations
Every state limits how long a collector can sue on a debt. If the debt is time-barred, Mid-South Credit Bureau generally cannot win a lawsuit — and a payment could dangerously restart that clock.
6. Know the Anti-Harassment Rules
The FDCPA bars Mid-South Credit Bureau from calling before 8am or after 9pm, threatening you, or lying about the debt. Each violation may entitle you to statutory damages.
How Crowned Credit Helps With Calls From 731-642-8454
We investigate the specific Mid-South Credit Bureau account behind the calls, assert every applicable right, and work it with all three bureaus and the collector directly — no cookie-cutter form letters.
Review & Validate
We pull all three bureau reports, find every error tied to the Mid-South Credit Bureau account, and demand full debt validation.
Dispute & Escalate
Hand-packed disputes go to the bureaus and to Mid-South Credit Bureau. When they fail to investigate properly, we escalate to the CFPB and, where warranted, attorneys.
Track & Build
We monitor the outcome and coach you on rebuilding once inaccurate items are addressed. Results vary by profile.
Or call us directly at 336-310-0090. Results vary based on your individual credit profile.
731-642-8454 — Frequently Asked Questions
Who is calling me from 731-642-8454?
731-642-8454 is a direct-dial line associated with Mid-South Credit Bureau (also seen as Mid-South Credit Bureau), a third-party collection agency headquartered in Paris, TN. The number resolves to the 731 area code. If you received a call from 731-642-8454 — often showing the last four digits 8454 on your screen — it is very likely Mid-South Credit Bureau attempting to reach you about a debt they say you owe, most often consumer accounts.
Is 731-642-8454 a scam number?
Mid-South Credit Bureau is a real, registered company, and 731-642-8454 is a documented line tied to it. That said, scammers do "spoof" the caller ID of well-known collectors like Mid-South Credit Bureau, so the number showing on your screen is not proof of anything. Never give payment or personal information based on a phone call alone. Ask for the caller's name, company, and a written validation notice before you discuss any debt.
Do I have to answer or call back 731-642-8454?
You are not legally required to answer 731-642-8454 or call Mid-South Credit Bureau back. In fact, it is usually smarter to say nothing on the phone and instead demand everything in writing. Under the FDCPA, once you send a written debt-validation request, Mid-South Credit Bureau must pause collection until it mails you proof of the debt.
Why is Mid-South Credit Bureau calling me about consumer accounts?
A call from 731-642-8454 usually means an original consumer accounts went unpaid and was placed with Mid-South Credit Bureau, which dials this line to collect on the original creditor's behalf. The account may have aged or changed hands more than once, so demand the full paper trail before you accept the balance as accurate.
Can I stop Mid-South Credit Bureau from calling 731-642-8454?
Yes. The FDCPA lets you send a written cease-and-desist demand telling Mid-South Credit Bureau to stop contacting you by phone. They can still report to the bureaus or pursue other legal steps, but the calls from 731-642-8454 and any related lines must stop. This is a useful way to end harassment while you build your dispute.
Should I pay the debt Mid-South Credit Bureau is calling about?
Do not pay anything based on a call from 731-642-8454 until the debt is validated. Once you confirm the debt is yours, accurate, and still within your state's statute of limitations, you can consider a written pay-for-delete arrangement. Paying an unverified or time-barred debt can restart the clock and lock in a negative mark. Get a free assessment first.
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