How to Remove MRS Associates From Your Credit Report

Is MRS Associates hurting your credit score?

Lexington Law has helped millions of customers remove collections and other negative items from their credit reports. Let them help you too!

Who is MRS Associates?

MRS Associates, aka MRS BPO, LLC, is a debt collection agency based in Cherry Hill, New Jersey.

MRS Associates may appear on your credit report as any of the following entries:

  • mrs and associates
  • mrs associates nj
  • mrs collections
  • mrs company
  • mrs pay
  • mrsassociates

Who does MRS Associates collect for?

MRS Associates collects for companies in the telecom, student loan, auto loan, credit card, and healthcare industries.

Is MRS Associates legit or a scam?

MRS Associates is a legitimate company. They were most likely assigned your debt (or bought your debt) from one of the companies they work with. However, just because they are legit, doesn’t mean you actually owe them anything. Keep reading to learn more.

How can I remove MRS Associates from my credit report?

Collections can hurt your credit score and remain on your credit report for up to seven years regardless of whether you pay it or not. Unfortunately, paying the collection could even lower your credit score.

However, it is possible to remove a collection account from your credit history before seven years.

(Debt collectors prefer that we didn’t tell you this, but it’s something you should know.)

Lexington Law is a professional credit repair company that helps people fix their credit.

In addition to collections, Lexington Law will help you challenge (and possibly remove) other inaccurate information from your credit report. These items include inquiries, late payments, charge-offs, foreclosures, repossessions, bankruptcies, and more.

Call Lexington Law now to learn more: (800) 220-0084

MRS Associates/MRS BPO, LLC Contact Information

Address:

MRS BPO, LLC
1930 Olney Ave
Cherry Hill, NJ 08003

Phone number: (877) 508-6304 or (856) 988-9122

Is MRS Associates making threatening phone calls?

If you are experiencing debt collector harassment from MRS Associates, the best thing to do is contact them in writing. Never talk to them on the phone.

You’re much more likely to get emotional and react in a way you might regret later on. Even worse, you could be pressured into making payments on the debt in a way that’s not in your best interest.

Alternatively, admitting to old debts may reset the statutes of limitations in your state, essentially renewing the number of years you can be sued for overdue payments.

How to Deal with Calls from MRS Associates

There are a couple of ways to handle collection calls from MRS Associates. First, you can send a cease and desist letter. Once a debt collection agency receives your written request, they must stop contacting you about your debt.

In this case, the company can either drop pursuing your account altogether or initiate a lawsuit. There’s simply no way to know. However, know that it is illegal for them to threaten to sue you without actually intending to do so. Either way, they will most likely continue to report the debt to the credit bureaus.

Another option is to attempt to settle the account. You can either negotiate on your own or hire a professional debt settlement firm to help you.

Should I contact or pay MRS Associates?

Nothing good can come from contacting a debt collection company like MRS BPO, LLC. And making payments on the account will reset the clock. So instead of helping your credit, it could make it worse. Of course, there are times when it’s best to just pay the debt, especially if it’s new, and you’re certain that it’s legit.

The best way to deal with MRS Associates is to work with a credit repair professional. They delete millions of negative items every year from companies like MRS Associates for millions of clients nationwide.

And they may be able to help you too.

Will MRS Associates sue me or garnish my wages?

It’s possible that MRS collection agency will resort to litigation when attempting to collect a debt, but if you work with a law firm like Lexington Law, you have nothing to worry about. They will help you dispute the MRS Associates debt with the credit bureaus and possibly get it removed from your credit report. It’s also quite possible that you may never hear from or have to deal with MRS Associates again.

Call Lexington Law to learn how they can help you avoid lawsuits and remove negative items from your credit report that will significantly improve your credit scores.

Wage Garnishment

Some states allow wage garnishment, while others do not. It is important to note that if you are in a state that does not allow wage garnishment, it is illegal for a debt collector to threaten to garnish your wages.

It is also illegal for MRS Associates to make any claims they cannot or will not follow through on—this includes threatening to sue you or foreclose on your home.

Is MRS Associates hurting my credit score?

The missed payments that led to the collection harm your credit score. A collection account on your credit report further reduces your ability to qualify for new credit.

Debt collectors often buy and sell debt from one another, which can lead to multiple collections on your credit reports for the same account.

When this happens, if you don’t dispute the accounts with the credit bureaus and get them all removed, they will harm your credit score.

MRS Associates Complaints

Most debt collectors have numerous complaints filed against them with the Consumer Financial Protection Bureau (CFPB) and the Better Business Bureau (BBB). Most consumer complaints are about inaccurate reporting, harassment, or failure to verify a debt. If you find yourself facing any of these situations with MRS Associates, you should also consider filing a complaint.

You have many consumer rights under the Fair Credit Reporting Act (FCRA) and the Fair Debt Collection Practices Act (FDCPA). Lexington Law knows that you have rights, and MRS Associates does too.

Your Rights When Dealing with MRS Associates

There are strict debt collection laws and regulations about what a debt collector can and cannot do in the United States. For example, the Fair Debt Collection Practices Act prevents the use of abusive or deceptive tactics to collect a debt. In addition, the FDCPA provides you with many rights to ensure that debt collectors don’t take advantage of you. In particular:

  • It is a violation of federal law for MRS Associates to report inaccurate or incomplete information on your credit report.
  • You have a legal right to request debt validation on an alleged debt. Send MRS Associates a debt validation letter. By law, they have 30 days to prove to you that the debt is really yours and the total amount is accurate.
  • MRS Associates may not threaten or harass you, call you repeatedly, swear at you, or publicly publish a list of debtors.
  • MRS Associates must be honest about who they are and what they are attempting to do. They must notify you that they are a debt collection agency both orally and in writing.
  • MRS Associates cannot threaten to have you arrested, and they are not allowed to threaten to take legal action if they have no intention of doing so.

Remove MRS Associates From Your Credit Report Today!

Lexington Law specializes in disputing MRS Associates accounts. They have over 18 years of experience and have removed over 7 million negative items for their clients in 2020 alone.

If you’re looking for a reputable credit repair company to help you with collection accounts and repair your credit, consider working with Lexington Law.

You can give them a call at (800) 220-0084 for a free credit consultation. They have helped many people in your situation and have paralegals standing by waiting to take your call.