If Mercantile Adjustment Bureau is showing up on your credit report, you’re probably wondering how to deal with it—and how to protect your score. Here’s a simple breakdown to help you take action.
Who Is Mercantile Adjustment Bureau?
Mercantile Adjustment Bureau, LLC (MAB) is a third-party debt collection agency based in Williamsville, New York. They collect unpaid debts on behalf of banks, lenders, universities, retailers, and other businesses.
If MAB appears on your credit report, it usually means a past-due account has been sent to collections.
Who Does Mercantile Adjustment Bureau Collect For?
Mercantile Adjustment Bureau collects a wide range of debts, including:
- Credit card debt
- Personal loans
- Student loans
- Retail financing
- Utility bills
- Accounts purchased by debt buyers
They work with large financial institutions, smaller businesses, and educational organizations.
Is Mercantile Adjustment Bureau Legitimate?
Yes, Mercantile Adjustment Bureau is a real debt collection agency. They are legally allowed to collect debts on behalf of their clients. That said, mistakes happen—so always verify the debt before making payments or setting up a plan.
How to Remove Mercantile Adjustment Bureau From Your Credit Report
Collections can hurt your credit score for up to seven years, but there are ways to address them:
- Dispute inaccurate information: If the debt isn’t yours or details are incorrect, dispute it with the credit bureaus.
- Request debt validation: You can ask MAB to prove the debt is yours and the amount is correct.
- Negotiate a pay-for-delete: Some agencies may agree to remove the collection if you pay or settle the debt.
- Hire a credit repair company: Professionals can handle disputes and work to remove negative marks for you.
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Should You Contact or Pay Mercantile Adjustment Bureau?
Before contacting them, double-check that the debt is accurate and still within the statute of limitations. Paying an old debt without verifying details can reset the clock and extend how long it affects your credit.
If you’re unsure how to handle it, consider working with a reputable credit repair service.
Can Mercantile Adjustment Bureau Sue or Garnish Your Wages?
Yes, like other collection agencies, Mercantile Adjustment Bureau can sue for unpaid debts. If they win the case, they could:
- Garnish your wages
- Freeze your bank account
- Place a lien on your property (depending on your state’s laws)
Most collectors try to work out payment arrangements before pursuing legal action, as lawsuits can be costly and time-consuming.
Mercantile Adjustment Bureau Contact Information
Address:
Mercantile Adjustment Bureau, LLC
165 Lawrence Bell Drive, Suite 100
Williamsville, NY 14221
Phone:
(716) 929-8200
Mercantile Adjustment Bureau Complaints
There are many complaints about Mercantile Adjustment Bureau with the CFPB and BBB. Common concerns include:
- Inaccurate reporting on credit reports
- Harassment or excessive contact
- Failure to validate debts
If you experience these issues, you can dispute the account and file a complaint.
Your Rights When Dealing With Mercantile Adjustment Bureau
You’re protected under federal law by the Fair Debt Collection Practices Act (FDCPA) and the Fair Credit Reporting Act (FCRA). Mercantile Adjustment Bureau cannot:
- Report false or incomplete information
- Harass, threaten, or use abusive language
- Call excessively or at odd hours
- Misrepresent who they are or the amount owed
- Threaten arrest for unpaid debts
You also have the right to request written proof of the debt.
Remove Mercantile Adjustment Bureau From Your Credit Report Today
Negative marks from Mercantile Adjustment Bureau don’t have to stay on your report. Credit Saint has helped thousands of people remove collections, late payments, and other harmful entries. They even offer a 90-day money-back guarantee for peace of mind.
Visit their website or call (855) 281-1510 to get help cleaning up your credit today.
Brooke Banks is a personal finance writer specializing in credit, debt, and smart money management. She helps readers understand their rights, build better credit, and make confident financial decisions with clear, practical advice.
