Mercantile Adjustment Bureau


Is Mercantile Adjustment Bureau hurting your credit score?

Schedule a free consultation to learn how to eliminate inaccurate and questionable negative information from your credit report.

Who is Mercantile Adjustment Bureau?

Mercantile Adjustment Bureau, LLC (MAB) is a debt collection agency based in Williamsville, New York. The company specializes in the collection of outstanding debts on behalf of various clients.

If Mercantile Adjustment Bureau appears on your credit report, it indicates that you have an account in collections. This typically occurs when you have failed to pay a bill or fulfill a financial obligation.

Who does Mercantile Adjustment Bureau collect for?

Mercantile Adjustment Bureau provides debt collection services for various types of organizations. They collect debts on behalf of banks, financial institutions, retailers, universities, and debt purchasers. Their clients can range from major financial institutions to smaller businesses in different industries.

Is Mercantile Adjustment Bureau legit or a scam?

Mercantile Adjustment Bureau is a legitimate company. They are authorized to collect debts on behalf of their clients. However, it’s important to verify any debts they claim you owe before making any payments.

How can I remove Mercantile Adjustment Bureau from my credit report?

Mercantile Adjustment Bureau collections can hurt your credit score and remain on your credit report for up to seven years regardless of whether you pay it or not. Unfortunately, paying the collection could even lower your credit score.

However, it is possible to remove a collection account from your credit history before seven years.

(Though debt collectors may not want this widely known, it’s your right to be informed.)

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They can help challenge inaccurate, unfair, or unsubstantiated information on your credit report, including collections, inquiries, late payments, charge-offs, foreclosures, repossessions, bankruptcies, and more.

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Mercantile Adjustment Bureau, LLC Contact Information


Mercantile Adjustment Bureau, LLC
165 Lawrence Bell Drive Suite 100
Williamsville, NY 14221

Phone number: (716) 929-8200

Should I contact or pay Mercantile Adjustment Bureau?

Before contacting a collection agency, verify that the debt is legitimate and accurately reported. Credit reports can contain errors or list debts that are no longer valid. Also, be aware that making payments on a debt can reset the clock and potentially harm your credit.

The most effective way to deal with Mercantile Adjustment Bureau is to work with a credit repair professional. They help remove millions of negative items every year from companies like Mercantile on behalf of their clients.

Will Mercantile Adjustment Bureau sue me or garnish my wages?

Mercantile Adjustment Bureau has the ability to pursue legal action if you fail to pay a debt. This may involve filing a lawsuit against you. If they are successful in obtaining a judgment from the court, they may have the ability to garnish your wages, levy your bank account, or place a lien on your property.

However, it’s important to note that legal action is generally considered a last resort for most collection agencies. They often prefer to negotiate a payment plan or reach a settlement with the debtor rather than going through the lengthy and costly process of litigation.

Mercantile Adjustment Bureau, LLC Complaints

Many collection agencies have numerous complaints filed with the Consumer Financial Protection Bureau (CFPB) and the Better Business Bureau (BBB). Most consumer complaints are about inaccurate reporting, harassment, or failure to verify a debt. If you find yourself facing any of these situations with Mercantile Adjustment Bureau, you should also consider filing a complaint.

You have many consumer rights under the Fair Credit Reporting Act (FCRA) and the Fair Debt Collection Practices Act (FDCPA). These rights include disputing credit reporting errors and being treated fairly and respectfully by debt collectors.

Your Rights When Dealing with Mercantile Adjustment Bureau, LLC

Debt collectors must follow state and federal laws. The Fair Debt Collection Practices Act (FDCPA) prohibits abusive, unfair, or deceptive practices and ensures your rights are protected:

  • It is a violation of federal law for Mercantile Adjustment Bureau to report inaccurate or incomplete information about you.
  • You have a legal right to request debt validation on an alleged debt. Send the collection agency a debt validation letter. They have 30 days to prove the debt is yours and the amount is accurate.
  • Mercantile Adjustment Bureau cannot threaten or harass you, call repeatedly, swear at you, or publicly publish a list of debtors.
  • Mercantile Adjustment Bureau must be honest about who they are and their purpose. They must notify you in writing and verbally that they are a debt collection agency.
  • Mercantile Adjustment Bureau cannot threaten to have you arrested or imprisoned for unpaid debts.

Remove Mercantile Adjustment Bureau From Your Credit Report Today!

Credit Saint can help you dispute Mercantile collection accounts. With over 15 years of experience, they have a proven track record of removing incorrect entries for many clients.

If you’re tired of dealing with debt collectors and want to improve your credit, consider working with a trusted credit repair company.

They have helped many people in your situation. Fill out the form on their website or call (855) 281-1510 for a free credit consultation to see what they can do for you.

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Meet the author

Crediful is your go-to destination for all things related to personal finance. We're dedicated to helping you achieve financial freedom and make informed financial decisions. Our team of financial experts and enthusiasts brings you articles and resources on topics like budgeting, credit, saving, investing, and more.