If you see MARS Collection Agency listed on your credit report, it means they’re trying to collect a debt in your name. Collections accounts can lower your credit score, so it’s important to take action.
Who Is MARS Collection Agency?
MARS Collection Agency, also known as M.A.R.S., Inc., is a debt collection company based in Tulsa, Oklahoma. They’ve been in business since 1971 and collect unpaid debts for a wide range of industries.
Who Does MARS Collection Agency Collect For?
MARS works with businesses across several sectors, including:
- Medical providers
- Landlords and property management companies
- Government agencies
- Retailers
- Telecom companies
- Insurance subrogation and commercial collections
If you’ve fallen behind on bills in any of these areas, your account may have been turned over to MARS for collection.
Is MARS Collection Agency Legit?
Yes, MARS is a real, licensed debt collection agency. They have the legal right to collect debts on behalf of their clients. That said, always double-check any debt they claim you owe before agreeing to pay.
How to Remove MARS Collections From Your Credit Report
Collections can stay on your credit report for up to seven years, but there are ways to potentially remove them sooner:
- Dispute inaccuracies: Review the account details. If you spot incorrect information, file disputes with the credit bureaus.
- Request debt validation: You can demand written proof that the debt is valid and belongs to you.
- Negotiate a pay-for-delete: Some collectors will agree to remove the account from your report if you pay or settle the debt.
- Work with a credit repair company: Experts can help challenge negative items and improve your credit faster.
Ready to Clean Up Your Credit Report?
Learn how credit repair professionals can assist you in disputing inaccuracies on your credit report.
Should You Contact or Pay MARS Collection Agency?
Always verify the debt before making contact. Credit reports can contain errors, and paying a collection without confirming the details can sometimes hurt your score further by resetting the account’s timeline.
The safest way to handle collections is by working with a credit repair service that knows how to deal with agencies like MARS effectively.
Can MARS Collection Agency Sue You or Garnish Your Wages?
Yes, MARS has the right to sue you if you fail to pay a valid debt. If they win the lawsuit, they could:
- Garnish your wages
- Levy your bank account
- Place a lien on your property (depending on your state laws)
That said, lawsuits are typically a last resort. Most agencies will try other collection efforts first, such as calls or settlement offers.
MARS Collection Agency Contact Information
Address:
MARS Collection Agency
10830 E 45th St, Suite 400
Tulsa, OK 74146
Phone:
(918) 748-8444
MARS Collection Agency Complaints
MARS Collection Agency has received complaints with the CFPB and BBB. Common concerns include:
- Inaccurate reporting on credit reports
- Harassment or excessive contact
- Failure to validate debts
You have the right to dispute the information and file a complaint.
Your Rights When Dealing With MARS Collection Agency
The Fair Debt Collection Practices Act (FDCPA) and Fair Credit Reporting Act (FCRA) give you specific protections. Debt collectors cannot:
- Report false or incomplete information
- Harass or threaten you
- Call excessively or use abusive language
- Lie about who they are or the amount you owe
- Have you arrested for unpaid debts
You can also request written proof of the debt at any time.
Remove MARS Collections From Your Credit Report Today
Dealing with collections is stressful, but you don’t have to handle it alone. Credit Saint has helped thousands of people remove negative accounts from their credit reports—and they even offer a 90-day money-back guarantee for added peace of mind.
Visit their website or call (855) 281-1510 to see how they can help clean up your credit.
Brooke Banks is a personal finance writer specializing in credit, debt, and smart money management. She helps readers understand their rights, build better credit, and make confident financial decisions with clear, practical advice.
