Is Medical Business Bureau Hurting Your Credit?

If you’ve spotted “Medical Business Bureau” on your credit report, it likely means a medical bill has gone to collections. This can hurt your credit score and feel stressful—but you have options.

What Is Medical Business Bureau?

Medical Business Bureau, LLC (MBB) is a debt collection agency based in Park Ridge, Illinois. They work with healthcare providers—like hospitals, doctors, and billing companies—to recover unpaid medical bills from patients.

Who Does Medical Business Bureau Collect For?

MBB collects debts for a wide range of healthcare clients, including:

• Hospitals
• Medical offices and clinics
• Physician groups
• Billing service providers
• Other healthcare-related businesses

If you’ve received a bill from them, it probably stems from a past medical visit or procedure.

Is Medical Business Bureau a Legitimate Company?

Yes. Medical Business Bureau is a real debt collector—not a scam. They’re legally allowed to contact you about unpaid debts on behalf of their clients. However, that doesn’t mean you should take their claims at face value. Always verify any debt before paying.

How to Remove Medical Business Bureau From Your Credit Report

There are a few ways to try to get MBB off your credit report:

• Dispute errors – If the debt is inaccurate or outdated, file a dispute with the credit bureaus.
• Request debt validation – If MBB can’t verify the debt, they must stop reporting it.
• Negotiate a pay-for-delete – Offer a lump sum or payment plan in exchange for removal.
• Hire a credit repair company – Professionals can challenge accounts on your behalf, especially if you’re dealing with multiple collections.

Should You Pay Medical Business Bureau?

Before paying anything, take these steps:

1. Check your credit report – Confirm that the debt is listed accurately.
2. Request debt validation – Ask MBB to prove the debt is yours and that the amount is correct. They’re legally required to respond.
3. Don’t rush to pay – Making a payment can reset the statute of limitations in some cases, which may hurt your credit more than help.

If the debt is valid, and you want to settle it, consider negotiating a pay-for-delete agreement. This means you offer to pay in exchange for the account being removed from your credit report. Get any agreement in writing before sending payment.

Can Medical Business Bureau Sue or Garnish Wages?

Yes, but lawsuits are usually a last resort. If MBB sues you and wins, they may be able to:

• Garnish your wages
• Levy your bank account
• Put a lien on your property

Most debt collectors prefer to settle or set up a payment plan, so don’t ignore their letters—but don’t panic, either. You have rights.

Know Your Rights Under Federal Law

Debt collectors must follow the rules laid out in the Fair Debt Collection Practices Act (FDCPA) and the Fair Credit Reporting Act (FCRA). Here’s what you should know:

• You have the right to request a debt validation letter.
• MBB cannot harass, threaten, or deceive you.
• They must identify themselves as a debt collector.
• They cannot falsely claim you’ll be arrested or publish your name.
• They must report accurate and complete information to the credit bureaus.

If you feel your rights are being violated, you can file a complaint with the Consumer Financial Protection Bureau (CFPB) or the Better Business Bureau (BBB).

Medical Business Bureau Contact Information

Medical Business Bureau, LLC
1460 Renaissance Dr., Suite 400
Park Ridge, IL 60068
Phone: (888) 751-0481

Get Help With Medical Business Bureau Collections

Collections can be frustrating and hard to resolve on your own. If you’re looking for support, a reputable credit repair company can step in and handle the process.

Credit Saint has helped thousands of clients remove inaccurate or unfair negative items—including accounts from Medical Business Bureau—and they offer a 90-day money-back guarantee if you’re not satisfied.

Call (855) 281-1510 or visit their website to learn more.