How to Remove MRS Associates From Your Credit Report

If MRS Associates has popped up on your credit report, it likely means you have an unpaid debt that’s been sent to collections. This can hurt your credit score and affect your ability to get approved for new credit. Here’s what you need to know about who they are, how to deal with them, and how to get them removed from your report.

Who Is MRS Associates?

MRS Associates—also known as MRS BPO, LLC—is a debt collection agency based in Cherry Hill, New Jersey. They’ve been around for more than 30 years and collect debts on behalf of companies in industries like:

• Credit cards
• Auto loans
• Student loans
• Telecom
• Healthcare

If you see names like “mrs and associates,” “mrs collections,” or “mrsassociates” on your credit report, it’s likely referring to them.

Is MRS Associates Legit?

Yes, MRS Associates is a real company—not a scam. But like many collection agencies, they’ve been the subject of consumer complaints. Some people report repeated phone calls, texts, or emails—even after asking the company to stop. Others say MRS Associates tried to collect debts that weren’t actually theirs, which is a direct violation of the Fair Debt Collection Practices Act (FDCPA).

Why MRS Associates Is on Your Credit Report

MRS Associates shows up on your credit report when a creditor sells or transfers your unpaid debt to them. Once this happens, the collection account can stay on your report for up to seven years—even if you eventually pay it off. That’s why taking action early is so important.

How to Remove MRS Associates From Your Credit Report

Here are a few ways to get MRS Associates off your credit report:

1. Dispute Any Errors

Start by checking that the debt is accurate. If anything looks off—like the amount, dates, or whether the debt is even yours—you can file a dispute with the credit bureaus. They’re required to investigate and remove the item if it can’t be verified.

2. Request a Debt Validation

You have the right to ask MRS Associates to prove that the debt is valid and that they’re authorized to collect it. Send a written debt validation letter within 30 days of their first contact. If they can’t provide proper documentation, they must stop collection efforts and the account may be removed from your report.

3. Negotiate a Pay-for-Delete Agreement

If the debt is legit, try negotiating a “pay-for-delete” deal. This is where you offer to settle the debt—ideally for less than the full amount—in exchange for MRS Associates removing the account from your credit report. Not all collectors agree to this, but it’s worth asking.

4. Get Help From a Credit Repair Company

If you’d rather not deal with MRS Associates directly, a credit repair company can step in on your behalf. These professionals dispute inaccurate information, negotiate settlements, and work to get negative marks removed from your report.

Should You Pay MRS Associates?

Before paying, make sure the debt is yours and that the amount is accurate. Paying an old debt can restart the statute of limitations, which could make you vulnerable to a lawsuit—even if the original time frame was close to expiring.

Also, if the account is already several years old, paying may not help your credit much. In some cases, it could even lower your score temporarily. Always weigh your options before sending money.

How to Handle Calls From MRS Associates

It’s almost always better to communicate in writing. If MRS Associates is calling nonstop or using aggressive tactics, send a cease and desist letter. Once they receive it, they’re legally required to stop calling.

From there, they can either drop the case or escalate to legal action—but they cannot harass or threaten you. And if they do sue, they need to follow through with the proper legal process. Empty threats are not allowed.

Can MRS Associates Sue or Garnish Your Wages?

Yes, they can sue you for an unpaid debt. If they win in court, they may be able to garnish your wages or bank account—depending on your state’s laws.

That said, lawsuits are expensive and time-consuming. Most debt collectors only go this route if the debt is substantial and they believe you have the ability to pay.

Common Complaints About MRS Associates

Many consumers have filed complaints against MRS Associates with the Consumer Financial Protection Bureau (CFPB) and the Better Business Bureau (BBB). The most common issues include:

• Reporting debts inaccurately
• Harassing or excessive contact
• Failing to verify debts when asked

If you run into any of these problems, you can file your own complaint and report them.

Your Rights Under Federal Law

You’re protected by both the Fair Debt Collection Practices Act (FDCPA) and the Fair Credit Reporting Act (FCRA). These laws give you the power to:

• Dispute inaccurate information on your credit report
• Request written proof of any debt a collector claims you owe
• Stop collection calls by sending a written request
• Expect fair and respectful treatment—no threats or harassment

Debt collectors are not allowed to lie about who they are, swear at you, or suggest you’ll be arrested for unpaid debts. If they break these rules, they’re the ones violating federal law.

MRS Associates Contact Information

Here’s how to reach them (if needed):

Mailing Address:
MRS BPO, LLC
1930 Olney Ave
Cherry Hill, NJ 08003

Phone Numbers:
(877) 508-6304
(856) 988-9122

Need Help Removing MRS Associates From Your Credit Report?

If dealing with debt collectors feels overwhelming, you’re not alone. Credit Saint has helped thousands of people remove collection accounts like MRS Associates—and They even offer a 90-day money-back guarantee for added peace of mind.

Call (855) 281-1510 or visit their website to see if they’re a good fit for your situation.