Seeing Mountain Land Collections on your credit report? It can drag down your credit score and make future borrowing harder. Here’s how to deal with them and what steps you can take to potentially remove the account.
Who Is Mountain Land Collections?
Mountain Land Collections, Inc. (MLC) is a third-party debt collection agency based in American Fork, Utah. They work on behalf of businesses to collect unpaid debts, primarily in the healthcare industry.
If MLC shows up on your credit report, it usually means a past-due bill—likely medical—was sent to them for collection.
Who Does Mountain Land Collections Collect For?
Mountain Land Collections focuses mostly on collecting medical debts. Their clients include:
- Hospitals
- Clinics
- Private medical practices
- Other healthcare providers
If you’ve had an unpaid medical bill, it may have been transferred to MLC for collection.
Is Mountain Land Collections Legit or a Scam?
Mountain Land Collections is a legitimate, licensed debt collection company. However, errors and miscommunication can happen in the collections process. Always request written proof of any debt before agreeing to pay.
How to Remove Mountain Land Collections From Your Credit Report
Collection accounts can lower your credit score and stay on your report for up to seven years. But there are ways to try to remove them:
- Dispute inaccuracies: If the debt is incorrect or doesn’t belong to you, file a dispute with the credit bureaus.
- Request debt validation: You have the right to ask MLC for proof that the debt is yours and the amount is accurate.
- Negotiate a pay-for-delete: Some collectors may agree to remove the account from your credit report if you settle the debt.
- Work with a credit repair professional: Experts can help challenge negative items and improve your credit profile.
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 Mountain Land Collections?
Before paying or contacting Mountain Land Collections, verify the debt is legitimate and within your state’s statute of limitations. Paying an old debt can reset the clock, making it appear more recent on your credit report.
If you’re unsure, consider working with a reputable credit repair service for guidance.
Can Mountain Land Collections Sue You or Garnish Your Wages?
Yes, Mountain Land Collections can sue for unpaid debts. If they win a court judgment, they may:
- Garnish your wages
- Levy your bank account
- Place a lien on your property
That said, legal action is typically a last resort. Most agencies prefer to settle the debt or work out a payment plan before pursuing court action.
Mountain Land Collections Contact Information
Address:
Mountain Land Collections, Inc.
852 E 1050 S
American Fork, UT 84003
Mailing Address:
PO Box 1280
American Fork, UT 84003
Phone:
(801) 492-1596
Mountain Land Collections Complaints
Mountain Land Collections has complaints with the CFPB and BBB. Common concerns include:
- Inaccurate reporting
- Harassment or repeated calls
- Failure to validate debts
If this happens, you can dispute the account or file a complaint.
Your Rights When Dealing With Mountain Land Collections
You are protected under the Fair Debt Collection Practices Act (FDCPA) and Fair Credit Reporting Act (FCRA). Mountain Land Collections cannot:
- Report false or incomplete information
- Harass or threaten you
- Call excessively or use abusive language
- Misrepresent who they are
- Threaten arrest over unpaid debts
You also have the right to:
- Dispute incorrect information on your credit report
- Request written validation of the debt
- Be treated fairly during the collection process
Remove Mountain Land Collections From Your Credit Report Today
If you’re tired of collections accounts dragging down your credit, Credit Saint can help. They’ve worked with thousands of people to challenge negative items like Mountain Land Collections—and they even offer a 90-day money-back guarantee for added peace of mind.
Visit their website or call (855) 281-1510 to get started.
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.
