Merchants Credit Bureau

Debt collection is simply a necessary part of some businesses. At MCB, we’ve worked in debt collection for more than 70 years. We work with each of our clients to ensure that our debt collection team maintains all standards of professionalism, to keep your bottom line healthy while maintaining client relationships.

At MCB, we offer a variety of collection services for Business to Business debt, Business to Consumer debt, or Medical Account debt, with regular progress reports. We utilize the latest skip tracing technologies to track down delinquent debtors who have relocated or reported incorrect, pertinent information to you, as well as reporting delinquent account data to all three major credit bureaus. We also offer pre-collection services, to help ensure consumers are given the opportunity to resolve their debt before it goes to collections, impacting their credit report.

Research shows that, on average, more claims are collected when medical billing is outsourced than when it is handled in-house. Outsourcing medical billing to a third party also allows your practice to focus on what it is best at - patient care. Still, it depends on the specific needs and goals of your practice. Our medical billing team can help you determine the best approach to medical billing for your business.

Outsourcing medical billing can help you increase the percentage of claims your practice collects, and lower or eliminate staffing requirements associated with billing. However, every practice is different. Our medical billing team is ready at any time to discuss your practice’s medical billing goals.

We believe credit reports are a valuable tool, but we work with businesses and not individuals. However, individuals are entitled to one free copy of your credit report every 12 months from each of the three nationwide credit reporting companies. The FTC offers more information on their website.

Yes, we offer a variety of domestic and international commercial credit reporting options, depending on the needs of your business. We believe that credit reports are a crucial way to minimize risk and maintain strong business relationships.

While we don’t pull tenant screening credit reports for landlords managing just a few properties, we do offer tenant screening credit reports, and we work with individual apartment complexes, property management companies and rental agencies across the US.

At a high level, a credit bureau helps businesses access information to make lending decisions. At MCB, we are committed to helping our clients manage their risk, and evaluating the creditworthiness of individuals, including potential borrowers, employees and tenants, and other businesses, is an important risk assessment tool.