MetCredit texting on a cell phone

Who Is Texting From 638764

Who is texting from "MetCredit" at 638764 and why should I respond?

If you have a text from Short Code 638764 asking you to call Metropolitan at 1-888-797-7727 regarding personal business, you may be wondering whether or not to call back. The short answer: YES.

Metropolitan Credit Adjusters, or MetCredit for short, is a trusted Canadian debt collection agency. If we are texting or calling you, it is because one of our client businesses has hired us to collect a debt on its behalf.

638764 is a Short Code we use to send text messages specifically to Rogers customers.

We send texts from Short Code 638764 because Short Codes are more trustworthy and secure to consumers than standard telephone numbers.

You should not call short code 638764 back. Instead, respond directly to MetCredit by dialling 1-888-797-7727 and refer to the case number in the text message you received.

If you have been texted or called in error and are NOT the individual we’re looking for, please Report a Wrong Number to us.

Caution: If you DO in fact owe the corresponding debt, any resulting delays can lead to escalation along with more severe and lasting consequences.

At MetCredit, we work for many well-known Canadian organizations including major banks and credit unions, cellular providers, multi-national retailers and businesses of every size. We have been in continuous operation since 1973.

Why Take a text message from 638764 Seriously?

MetCredit reports directly to Canadian Credit Bureaus. The include Transunion, Equifax, Dun & Bradstreet as well as specialized regional credit bureaus. Failure to pay collection agency debt directly impacts your credit score and makes it hard to get:

  • a bank loan
  • a credit card
  • car financing
  • a mortgage or line of credit
  • some types of employment

The good news: we also update credit bureaus when you debt is paid in full, so your credit can begin to recover. By responding to our call and resolving the debt promptly, you may even avoid having a negative Credit Bureau report filed against you.

How Can I Confirm an SMS Text from Short Code 638764 is Not a Scam or Fraud?

It’s smart to question any unidentified inbound call or text. 638764 is a specially assigned Short Code that is used only by MetCredit.

There are countless scams and phishing schemes circulating, and spam or robocalls can sometimes originate from fraudulent callers who go to great lengths to appear legitimate. Check up on any business claiming to be a collection agency to ensure it is authentic before making a payment. This page is intended to help you validate our text messages, to fully understand who Metropolitan Credit Adjusters is, and understand the importance of repaying your debt if we are text messaging you from 638764 or one of our other numbers.

There are several ways to be sure MetCredit is a real and legitimate debt collection agency, and confirm that a text you have received is from our offices.

MetCredit is licensed and bonded as a Collection Agency in ALL Canadian provinces and territories—something you can easily verify yourself. To do so, conduct a search on your provincial government’s website or the province’s Consumer Protection agency site. Search “Metropolitan Credit Adjusters” or MetCredit, and in Québec search “Agence de recouvrement de crédit Métropolitain.”

In Québec, privacy regulations do not allow us to post or display numbers or display our company name or telephone number when making a consumer collection call, so our Québec numbers are intentionally omitted from this list. If you live in Québec, you can verify a call, text message or email by calling our Montreal office at 1-514-878-9444.

BE CAUTIOUS. If ever in doubt about a text message from 638764 or another number that has called you representing MetCredit, call our head office: MetCredit, call our head office: 1-888-797-7727. Our agents are here to answer questions and help find a solution.

Let’s take care of that debt and start moving you forward!