If MS Services, LLC has shown up on your credit report, you’re probably wondering who they are and how to deal with it. A collection account can lower your credit score, so it’s smart to take action as soon as possible.
Here’s what you need to know about MS Services and how to get them off your credit report.
Who Is MS Services, LLC?
MS Services, LLC is a debt collection agency based in Casper, Wyoming. They collect overdue debts on behalf of various businesses and organizations. If you see them listed on your credit report, it likely means you have an unpaid account that’s gone to collections.
What Types of Debt Does MS Services Collect?
MS Services collects many different types of delinquent accounts, including:
- Auto loans: Repossessed or defaulted vehicle loans
- Business debts: Unpaid invoices or other commercial debts
- Medical bills: Outstanding hospital or doctor balances
- Utilities and taxes: Unpaid municipal services or tax bills
- Student loans: Defaulted educational loans
- Telecom bills: Past-due phone, internet, or cable accounts
If one of these applies to you, MS Services may be the agency trying to collect.
Is MS Services, LLC Legitimate or a Scam?
MS Services is a legitimate debt collection agency. They have legal authorization to collect debts on behalf of their clients. That said, never take a collection notice at face value. Always verify the debt is accurate before making any payments.
How to Remove MS Services From Your Credit Report
A collections account can stay on your credit report for up to seven years, even if you pay it. But you may have options to get it removed sooner:
- Dispute errors: If the account isn’t yours or the details are incorrect, file a dispute with the credit bureaus. They must investigate and remove inaccurate information.
- Request a pay-for-delete: You can try negotiating with MS Services. Offer to pay the debt if they agree in writing to remove the account from your credit report. Not all agencies agree, but it’s worth asking.
- Work with a credit repair company: Professional credit repair services challenge negative marks, handle disputes, and help clean up your credit report.
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 MS Services?
Be careful before reaching out or making payments. First, confirm the debt is valid, accurate, and within the statute of limitations for your state. In some cases, paying an old debt can reset the clock, making it appear more recent on your credit report.
If you’re unsure how to handle it, credit repair experts can deal with agencies like MS Services on your behalf. They’ve helped millions of consumers remove negative accounts from their credit reports.
Can MS Services Sue or Garnish Wages?
Debt collectors can sue for unpaid debts, but lawsuits are usually a last resort. Legal action costs time and money, so most agencies try other methods first.
If MS Services does sue and wins, they could seek a court order to garnish your wages. Wage garnishment laws vary by state, so know your rights and take any legal notice seriously.
MS Services, LLC Contact Information
Here’s how to reach them:
MS Services, LLC
123 W 1st St. #430
Casper, WY 82601
Phone: (800) 462-3111
Complaints About MS Services
Like many collection agencies, MS Services has received complaints through the Consumer Financial Protection Bureau (CFPB) and the Better Business Bureau (BBB). Most complaints involve:
- Incorrect information on credit reports
- Harassment or aggressive collection tactics
- Failing to verify the debt when asked
If you’re experiencing these issues, you can file a complaint with the CFPB or BBB to report unfair practices.
Your Rights Under the FDCPA and FCRA
Debt collectors must follow strict rules under the Fair Debt Collection Practices Act (FDCPA) and Fair Credit Reporting Act (FCRA). Here’s what those laws protect you from:
- They cannot report false or incomplete information
- You can request a debt validation letter—they must prove the debt is yours and accurate within 30 days
- They cannot harass, threaten, or use abusive language
- They must clearly state they are a debt collection agency
- They cannot threaten arrest or jail for unpaid debts
If MS Services violates your rights, report them to the appropriate agencies.
Get MS Services Removed From Your Credit Report
Dealing with collection accounts can be stressful, but you don’t have to handle it alone. Credit Saint has helped thousands of people remove negative accounts like MS Services from their credit reports. They’ve been in business for over 15 years and even offer a 90-day money-back guarantee for added peace of mind.
If you want expert help disputing collections and improving your credit, visit their website or call (855) 281-1510 today.
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.
