Reply
Contributor
severine
Posts: 122
Registered: ‎08-19-2012
0

Mercantile Adjustment Bureau & old bill from 2000

I've been in the process of rebuilding my credit for the past two years and my credit is currently the best it's ever been. About a year ago I started getting harassing phone calls from Mercantile Adjustment Bureau asking me to pay a utility bill from when I was a student back in 2000. I never responded to their DAILY messages, but now a year later they have started up again calling me. My question is this: can a bill from almost 14 years ago show up on my CR? Does it seem likely that they will report this, wouldn't they have done this by now if they were going to do so? Any advice you might have would be great! Thanks!

Amex PR Gold NPSL | Amex BCP 16.5k| Amex Delta Gold Skymiles 14.9k | Amex BSP 5k | Discover 12.5k | Citi Diamond Preferred 11.9k | Chase Freedom 12k | Chase Sapphire Preferred 12k | US Bank Cash + Visa 13k | BankAmericard Cash Rewards Signature Visa 9.5k | M and T Bank Visa 10.9k | FICO TU 784 EQ 768 EX 784
Moderator
guiness56
Posts: 22,408
Registered: ‎01-17-2008
0

Re: Mercantile Adjustment Bureau & old bill from 2000

[ Edited ]

No, if the debt is that old it cannot be reported on your CR.

 

They can attempt to collect forever.  If the debt is outside of your states suing SOL and you want to pay it, offer a settlement.   You can also write them and ask tell them to only communicate with you in writing.

Contributor
severine
Posts: 122
Registered: ‎08-19-2012
0

Re: Mercantile Adjustment Bureau & old bill from 2000

Thanks for your help!

Amex PR Gold NPSL | Amex BCP 16.5k| Amex Delta Gold Skymiles 14.9k | Amex BSP 5k | Discover 12.5k | Citi Diamond Preferred 11.9k | Chase Freedom 12k | Chase Sapphire Preferred 12k | US Bank Cash + Visa 13k | BankAmericard Cash Rewards Signature Visa 9.5k | M and T Bank Visa 10.9k | FICO TU 784 EQ 768 EX 784

myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.

>> About myFICO
FICO Score - The Score that matters
Click to Verify - This site chose VeriSign SSL for secure e-commerce and confidential communications.
Fair Isaac Corporation is a BBB Accredited Financial Service in San Rafael, CA
FOLLOW US Social Media Facebook Twitter Pinterest Google+