/mɜːrkəntaɪl ˈeɪdʒənsi/ – Phrase
Definition: Cơ quan thương mại hoặc công ty thông tin tín dụng.
A more thorough explanation: an institution that deals with the supply of credit information about business organisations to other businesses and financial institutions
Example: Mercantile agencies act as a sort of clearing house of information about customers’ reliability.