Your account may or may not be past the statute of limitations. Each state has a law that limits the time in which you can be sued for an unpaid account/debt. If your account is beyond the statute of limitations, you cannot and will not be sued by Merchants' Credit Guide Company or its creditor/client. If you acknowledge the debt, promise to pay, or make a payment on the debt, you may lose the protection of the statute of limitations. We will still not sue you to enforce payment. For accounts we receive from creditors who allow us to credit report the accounts; if you do not pay the debt, we may continue to report it to the credit reporting agencies as unpaid for as long as the law permits this reporting.

Privacy Policy: Merchants' Credit Guide Company holds the information and privacy of its clients and their respective consumers in the highest regard and confidence at all times. The privacy policy of Merchants Credit Guide Company exclusively covers the practices and procedures for the handling of sensitive information. This section of our privacy policy will cover our practices as they pertain to the website merchantscreditguide.com and information collected as a result of visiting our site. Information Collection and Uses of Information: Merchants' Credit Guide Company collects the information of visitors for the sole purpose of developing a more pleasant user experience. Merchants' Credit Guide Company under no circumstance shares, trades, sells or otherwise divulges the personal or sensitive information of its customers to a third party. Merchants Credit Guide Company does not use cookies. Merchants' Credit Guide Company does not collect personal information of website visitors; there is no exception to this policy. Merchants' Credit Guide Company does keep information metrics with URL, IP address, browser type, language, and the date/ time of your request. Merchants' Credit Guide Company s sole purpose for the collection of said information is for continuous improvement of the browsing experience of customers. Merchants' Credit Guide Company uses the personal information of visitors to our website for the sole purpose of the financial services Merchants' Credit Guide Company provides; there is no exception to this policy.