Who Called From 904-387-6503?
Short answer: 904-387-6503 is a number used by M. G. Credit, Inc. (M. G. CREDIT INC.), a third-party collection agency based in Jacksonville, FL — florida consumer-collection-agency registration cca0600205, first approved 1994, shows this number on file as its telephone of record (jacksonville, duval county, fl). They are almost certainly trying to collect a debt, most often credit card debt. 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 904-387-6503?
The number 904-387-6503 is used by M. G. Credit, Inc. (florida consumer-collection-agency registration cca0600205, first approved 1994, shows this number on file as its telephone of record (jacksonville, duval county, fl)), a third-party collection agency in Jacksonville, FL. For the full company profile — ownership, history, and known aliases — see our complete M. G. Credit, Inc. guide. This page focuses on the calls coming from 904-387-6503 specifically.
About this specific number
- 📞 Number: 904-387-6503 (area code 904, ending in 6503)
- 📍 Line type: Direct-dial — resolves to Jacksonville, Florida.
- 🏢 Operator: M. G. Credit, Inc., a third-party collection agency in Jacksonville, FL.
- 🔢 Related lines: M. G. Credit, Inc. is documented using 1 number in our directory, so calls may also come from other digits.
904-387-6503 is a direct-dial number tied to Jacksonville, Florida, which is why the call may have appeared "local" on your caller ID even though M. G. Credit, Inc. operates out of Jacksonville, FL.
Some carriers display 904-387-6503 under a spoofed or neighboring city name. Do not trust the on-screen label — trust the written validation you request from M. G. Credit, Inc..
On your caller ID, in voicemails, or in letters, this company can also appear as: M. G. CREDIT INC..
Why Is M. G. CREDIT INC. Calling Me From 904-387-6503?
In our directory, 904-387-6503 is tracked as a florida consumer-collection-agency registration cca0600205, first approved 1994, shows this number on file as its telephone of record (jacksonville, duval county, fl) for M. G. Credit, Inc., which typically collects credit card debt, utility and telecom bills, retail and consumer accounts. A call from 904-387-6503 usually happens because:
- ✅ An original account (a credit card debt, for example) went unpaid and was charged off by the creditor.
- ✅ The account was placed with M. G. Credit, Inc. to collect on behalf of the original creditor.
- ✅ M. G. Credit, Inc. is now dialing you from 904-387-6503 and possibly other lines to reach a resolution.
Calls from 904-387-6503 often come right after a billing cycle closes. Some people report that 904-387-6503 calls once and hangs up, then tries again from a different M. G. Credit, Inc. line hours later. A single missed call is not proof of a valid debt. When 904-387-6503 shows up on your caller ID, it is worth checking whether the M. G. Credit, Inc. account also appears on your credit report. A phantom call with no tradeline may signal an unvalidated or misrouted debt. Bottom line — make M. G. Credit, Inc. prove the credit card debt in writing first.
Important: a phone call — even from a real number like 904-387-6503 — does not prove you owe the debt, that the amount is correct, or that M. G. Credit, Inc. can legally collect it. That is exactly why your validation rights matter.
What NOT to Say If You Answer 904-387-6503
Anything you say to M. G. CREDIT INC. can be used to collect. Protect yourself — avoid these common mistakes on the call.
Don't admit the debt is yours
When 904-387-6503 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 M. G. Credit, Inc..
Don't agree to a payment on the spot
A single payment to M. G. Credit, Inc. — 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 904-387-6503.
Don't give bank or card details
Do not read out your bank account, debit, or credit card number to anyone calling from 904-387-6503. Any legitimate M. G. Credit, Inc. 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 904-387-6503 caller. If it truly is your M. G. Credit, Inc. account, they should already have what they need and must prove it.
What To Do If 904-387-6503 Keeps Calling
Here are concrete next steps for this specific M. G. Credit, Inc. line. Work through them in order — each one strengthens your position before you ever discuss the debt.
- 1
Save 904-387-6503 as a contact labeled "M. G. Credit, Inc. — do not answer" so you can screen future calls with confidence.
- 2
Do not return the call to 904-387-6503 until you have the account details in writing — a call-back can be treated as engagement.
- 3
Ask, in writing, that M. G. Credit, Inc. identify the original creditor behind the 904-387-6503 calls and the date the debt was opened.
Your Rights When M. G. CREDIT INC. Calls From 904-387-6503
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 M. G. CREDIT INC. 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 M. G. Credit, Inc. 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 904-387-6503: 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 M. G. Credit, Inc. 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, M. G. CREDIT INC. generally cannot win a lawsuit — and a payment could dangerously restart that clock.
6. Know the Anti-Harassment Rules
The FDCPA bars M. G. CREDIT INC. 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 904-387-6503
We investigate the specific M. G. Credit, Inc. 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 M. G. CREDIT INC. account, and demand full debt validation.
Dispute & Escalate
Hand-packed disputes go to the bureaus and to M. G. Credit, Inc.. 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.
904-387-6503 — Frequently Asked Questions
Who is calling me from 904-387-6503?
904-387-6503 is a direct-dial line associated with M. G. Credit, Inc. (also seen as M. G. CREDIT INC.), a third-party collection agency headquartered in Jacksonville, FL. The number resolves to Jacksonville, Florida. If you received a call from 904-387-6503 — often showing the last four digits 6503 on your screen — it is very likely M. G. Credit, Inc. attempting to reach you about a debt they say you owe, most often credit card debt, utility and telecom bills, retail and consumer accounts.
Is 904-387-6503 a scam number?
M. G. Credit, Inc. is a real, registered company, and 904-387-6503 is a documented line tied to it. That said, scammers do "spoof" the caller ID of well-known collectors like M. G. CREDIT INC., 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 904-387-6503?
You are not legally required to answer 904-387-6503 or call M. G. Credit, Inc. 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, M. G. Credit, Inc. must pause collection until it mails you proof of the debt.
Why is M. G. Credit, Inc. calling me about credit card debt?
A call from 904-387-6503 usually means an original credit card debt went unpaid and was placed with M. G. Credit, Inc., 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 M. G. Credit, Inc. from calling 904-387-6503?
Yes. The FDCPA lets you send a written cease-and-desist demand telling M. G. Credit, Inc. to stop contacting you by phone. They can still report to the bureaus or pursue other legal steps, but the calls from 904-387-6503 and any related lines must stop. This is a useful way to end harassment while you build your dispute.
Should I pay the debt M. G. Credit, Inc. is calling about?
Do not pay anything based on a call from 904-387-6503 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.
More About M. G. Credit, Inc.
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