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Merchants Credit Bureau vs Reliable Credit Association

On the complaint record, Merchants Credit Bureau scores higher (47/100 against 12): it answered 100% on time and gave relief in 3% of closed complaints, against 71.8% and 8% for Reliable Credit Association.

Merchants Credit Bureau
Reliable Credit Association
Merchants Credit BureauReliable Credit Association
Response Score47/10012/100
Complaints, last 12 months3939
Change on the year before+179%+39%
Answered on time100%71.8%
Closed with relief3%8%
Closed with money back2.6%5.1%
Complaints, all time128176
Top problemAttempts to collect debt not owedTook or threatened to take negative or legal action
Visitors' rating--

Highlighted: the better figure. Bigger companies get more complaints, so compare the shares and the trend rather than the totals.

Merchants Credit Bureau by month

Reliable Credit Association by month

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Complaint records are public consumer complaints filed with U.S. regulators, checked (newest received Nov 15, 2026). Complaints are consumers' own accounts and are not verified; counts grow with a company's size. How the data works

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