How to Remove Mountain Run Solutions From Your Credit Report

Updated

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If you spotted Mountain Run Solutions on your credit report, you’re probably wondering what it is and how to get rid of it. A collection account can drag down your credit score, but there are ways to take action.

Who Is Mountain Run Solutions?

Mountain Run Solutions, LLC is a debt collection agency based in Orem, Utah. They used to operate under the name Perfection Collection, LLC. Their job is to collect unpaid debts on behalf of their clients or after purchasing the debt themselves.

If they’re showing up on your credit report, they’re likely trying to collect on a debt they believe you owe.

What Types of Debts Does Mountain Run Solutions Collect?

Mountain Run Solutions works with several industries, including:

  • Credit cards – Unpaid balances or charged-off accounts
  • Installment loans – Such as personal or auto loans
  • Medical bills – Unpaid healthcare-related debts
  • Payday loans – Short-term, high-interest loans
  • Service agreements – Unpaid utility or service bills

They either collect debt for other companies or buy the debt and collect it themselves.

Is Mountain Run Solutions a Legitimate Company?

Yes, Mountain Run Solutions is a legitimate debt collection agency. But that doesn’t mean every claim they make is correct. It’s smart to verify any debt they say you owe before agreeing to pay.

Mistakes happen, and errors on your credit report can hurt your credit score unnecessarily.

How to Remove Mountain Run Solutions from Your Credit Report

Collection accounts can stay on your credit report for up to seven years, but you have options to get them removed sooner:

  • Dispute inaccurate information – If the account is incorrect, outdated, or incomplete, file a dispute with the credit bureaus. They must investigate and remove inaccurate details.
  • Negotiate a pay-for-delete agreement – In some cases, you can offer to settle the debt in exchange for the account being removed from your credit report. Get any agreement in writing before making a payment.
  • Work with a credit repair company – Professionals can help challenge collection accounts and dispute errors on your behalf.

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 Run Solutions?

Before contacting them, confirm the debt is legitimate. Here’s why:

  • Errors on your credit report happen often.
  • Some debts may be past the statute of limitations, meaning they can’t sue you for it.
  • Making a payment can restart the clock on how long the debt affects your credit.

If you’re unsure how to handle the situation, consider working with a credit repair company that deals with collectors like Mountain Run Solutions every day.

Will Mountain Run Solutions Sue You or Garnish Your Wages?

They can sue you to recover the debt. If they win in court, they could:

  • Garnish your wages
  • Freeze your bank accounts
  • Place a lien on your property (depending on your state’s laws)

Lawsuits are usually a last resort because they cost time and money. Most collection agencies try other methods first, like phone calls, letters, or payment plans.

Mountain Run Solutions Contact Information

If you need to reach them, here’s how:

Address:

Mountain Run Solutions
313 E 1200 S, Suite 102
Orem, UT 84058

Phone: (801) 921-7379

Complaints Against Mountain Run Solutions

Like most collection agencies, Mountain Run Solutions has complaints filed with the Consumer Financial Protection Bureau (CFPB) and the Better Business Bureau (BBB). Common issues include:

  • Inaccurate reporting
  • Harassment or aggressive tactics
  • Failing to verify the debt

If you feel your rights are being violated, you can file a complaint with the CFPB or BBB.

Your Rights Under the FDCPA and FCRA

Debt collectors must follow strict rules under federal law:

  • They cannot report false or incomplete information.
  • You have the right to request a debt validation letter, forcing them to prove the debt is yours and accurate.
  • They cannot harass, threaten, or use abusive language.
  • They must clearly state they are a debt collection agency when contacting you.
  • They cannot threaten jail time over unpaid debts.

Knowing your rights puts you in control when dealing with Mountain Run Solutions.

Ready to Remove Mountain Run Solutions from Your Credit Report?

Dealing with collection agencies is stressful, but you don’t have to handle it alone. Credit Saint can help dispute inaccurate collection accounts and work to clean up your credit report. They even offer a 90-day money-back guarantee for added peace of mind.

Want to take the next step? Visit their website or call (855) 281-1510 for a free consultation.

Brooke Banks
Meet the author

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.