Credit Cards Center Credit cards from our partners
Reply
Contributor
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
Epic Contributor
Posts: 22,398
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
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

Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.

Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
† Credit cards for FICO Score ranges: The score ranges are guidelines based on internal myFICO analysis of actual applicant approvals, and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range. These ranges were not provided by any card issuer.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.