MERCHANTS CREDIT GUIDE: Merchants' Credit Guide
MERCHANTS CREDIT GUIDE is Merchants' Credit Guide Company, a debt collection company.
If it is on your report, a debt was placed with it or sold to it; complaints to the CFPB about it most often involve medical bills, and the original creditor is usually listed on the same entry.
Complaints to the CFPB about Merchants' Credit Guide
The CFPB has received 730 complaints about Merchants' Credit Guide Company, 26 of them in the 12 months to October 8, 2026 with the latest on September 15, 2026, and the company answered 100% on time. [1]
The CFPB publishes complaints without confirming the facts in them.
| Most common issue | Complaints | Share |
|---|---|---|
| Attempts to collect debt not owed | 259 | 35% |
| Written notification about debt | 187 | 26% |
| Incorrect information on your report | 50 | 7% |
| False statements or representation | 45 | 6% |
| Problem with a credit reporting company's investigation into an existing problem | 35 | 5% |
Checking this account
If you don't recognise the debt, the CFPB explains what a debt collector has to tell you about it, and you can dispute the entry with the bureau that shows it.