Since 1949, Merchants Credit Bureau has been helping clients achieve their collection-related goals. Our experienced personnel, proven process, and leading-edge technology combine for high recovery rates without alienating your customers.

Professional Nationwide Consumer and Commercial Collection
  Lowest Rates in the Industry with the Highest Recovery
  Bonded, Licensed and Insured
  Coming Soon: Online 24/7/365 Client Access & Client Support

Utilizing the latest technology, collections agency programs, and a highly skilled team of professionals, we are changing the way that collection agencies operate. Our purpose is to customize a program for each of our clients that will dramatically increase the monies recovered from past due accounts, as well as decrease the amount of time accounts are outstanding.

All staff is monitored on a daily basis. Compliance is achieved by quality control testing to ensure we are following all state laws in regards to debt collection. In addition, this office monitors Fair Debt Collection Practices Act (FDCPA), which is the Federal legislation governing debt collection. Merchants Credit Bureau is in full compliance with the Fair Debt Collection Practices Act (FDCPA) and is HIPPA Compliant.

Mission Statement
Merchants Credit Bureau's objective is to build a partnership with each client to develop a plan to reduce days sales outstanding and maximize dollars collected. We will use all of our resources and expertise to provide you exceptional services. If your debtors are repeat customers, you can count on us to ensure that your current customer relationships remain intact. It is not our money; it is yours. We succeed only when we collect it for you.

Commercial and Consumer

  • Collections
    handles all types of dept: Business to Business, Business to Consumer, or Medical Accounts. Progress reports are automatically sent to our clients monthly, quarterly, or bi-annually. You can use our secure online tools for viewing our work effort, down to the account level.

  • Electronic Data Transmission
    We are in the process of accepting referrals electronically. Accounts can be submitted directly to MCB via e-mail, Excel spreadsheet, Adobe, or via our website.

  • Skip Tracing

    We have the resources to locate deliquent debtors who have relocated or reported incorrect, pertinent information to you.

  • Credit Reporting

    We provide information to all commercial and consumer credit reporting agencies in regard to deliquent accounts - at no cost to our clients.

  • Litigation

    Litigation capabilities are part of the overall services available to our clients. An account is considered for litigation at a point when all other attempts to collect the debt have proven unsuccessful. The client is contacted for authorization to enter suit. The account, being assigned to our agency, is entered in our name.

    Consumer Information

  • Equifax
    To report fraud call 800-525-6285
    P.O. Box 105069

    Atlanta, GA 30348

  • Experian (formerly TRW)
    To report fraud call 888-397-3742
    P.O. Box 9532

    Allen, TX 75013

  • TransUnion
    To report fraud call 800-680-7289
    P.O. Box 6790

    Fullerton, CA 92834