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How To Remove MRS Associates From Your Credit Report

Written by Mike Pearson
Updated August 16, 2022

Having a bad credit score can limit you from a number of things, and MRS Associates being a debt collection agency and showing up on your credit score can negatively impact it. Thus, trying to get them removed from it should be a priority. 

You can try and remove MRS Associates from your credit report in four ways. You can either dispute the debt if it is not legitimate or if it is older than 7 years or negotiate in terms of payment for deletion. You can also ask for a goodwill deletion or wait till it falls off your credit report. 

This article will cover everything you need to do to remove MRS Associates from your credit score. Some avenues are easier than others, and for the most part, you may not have heard or realized how many options you have. We’ll also cover the most frequently asked questions concerning credit reports and MRS Associates.

How To Remove MRS Associates From Your Credit Report

Having MRS Associates listed on your credit report is not a good thing due to the fact that it will negatively affect your credit score. 

If you don’t already know, a credit score is a number given to an individual with credit that money lenders use to help them determine the probability of that individual repaying a loan.

Why will MRS Associates negatively affect your credit score? MRS Associates is a debt collection agency founded in 1991 and is based in Cherry Hill, New Jersey. As such, their job is to collect debt for various sorts of companies like;

  • Businesses and companies (banks, phone companies, cable companies, utility companies, Hospitals)
  • Money lenders
  • Government agencies
  • Debt buyers 
  • Collection agencies

Collecting debt for these types of companies spans a large range of industries, and if you owe a company money and have not paid, you might find MRS Associates on your credit report. 

If you find that MRS Associates (or one of the company’s other traded names) is on your credit report, there are a couple of ways that you can go about trying to remove it from your credit score;

  • Disputing the debt
  • Trying to negotiate with MRS in terms of payment for deletion
  • Asking for a Goodwill deletion
  • Wait until the debt falls off your credit report

We will discuss these in detail, but there are a few factors that you should first consider before you attempt to do anything. 

Do Your Research And Check Your Credit Reports

The first thing you should do is review and check all your credit reports. You may think this is difficult to do because perhaps you need to fill out many forms and spend hours in a queue at a credit bureau. However, you will only need to visit AnnualCreditReport.com to do this. 

It is a three-step process whereby you fill out a form declaring who you are, pick the reports you want, and request and review the reports online. It’s as simple as that. Take note that you are only able to obtain one free credit report per year (annually).

Remember that there are three major credit bureaus that you will need to check your credit report against, and they are;

  • Experian
  • Equifax
  • TransUnion

Once you can view your credit report, it should contain the following information about the collection against you;

  • Whether the collection is paid or unpaid
  • The balance you owe (if any)
  • The date of the accounts delinquency

If you see a collection from MRS Associates and don’t know who the original creditor was and it is not listed in the report, then you are allowed to ask MRS to reveal who they are. 

How To Check If MRS Is On Your Credit Report

Take note that MRS Associates may come up on your credit report under a different name that they trade under, and all of them are legitimate. Thus it is important to know them all, and they are;

  • MRS and Associates
  • MRS Associates NJ
  • MRS Collections
  • MRS Company
  • MRS Pay
  • MRSassociates
  • MRS BPO LLC

If any of these names appear on your credit report, you know that the collection is for MRS Associates.

Determine The Legitimacy Of The Debt

After checking your credit report and determining that you actually have a collection against you, you next need to check its legitimacy. 

You should make sure that the debt belongs to you, and if it does not, or you have made a one-time payment to pay it off, you should dispute it immediately. 

Choose A Plan Of Action

Once you have concluded what your credit report outlines, you have the various options available (listed below) in trying to remove MRS Associates from your credit report.

Guide On How To Remove MRS From Your Credit Report

Here are the four ways you can go about trying to remove RMS Associates from your credit report that we outlined above. 

#1. Dispute The Debt

We stated that your first plan of action if you realized that the debt was not yours or if you had already paid it off, you should dispute it immediately. The same applies to debts that are more than 7 years old. The date to determine the 7-year mark for debt is measured from the date of your initial missed payment. 

Take note that the statute of limitations is between 3 and 6 years, while in some cases, it can be as high as 10 or 15. This means once this amount of time has passed, the debt no longer applies, and you can have it removed from your credit report. However, the precise amount of time for the statute of limitations will depend on various factors, including the laws of the state that you live in. 

Thus, your best bet is to contact your state attorney general via their website, by phone, or by email to get a clear indication of what the statute of limitations is in your specific state. 

Once you know that the collection against you is worth disputing, you can do so for free by sending a credit dispute letter to any of the credit bureaus that have MRS Associates showing up on your report. 

Follow the link to this PDF to get information and credit report dispute templates for Equifax, Experian, and TransUnion.

Take note that if the collection against you is a mistake, is more than 7 years old, and if they do not respond within 30 to 35 days, then they, by law, are legally obliged to remove the dispute from your report.

#2. Negotiate With MRS In Terms Of Payment For Deletion

If you find that the debt you owe is legitimate, then things are a little more difficult in terms of trying to get MRS Associates removed from your credit report. 

Your only option is to pay off the debt in one way or another or wait for the collection to fall away (which we will discuss later).

The first option is to negotiate with MRS in terms of payment for deletion. This means you can try to convince them to remove the collection from your credit report in exchange for settling the debt. 

You are able to do this by sending them a Pay for Delete letter. Follow this link to obtain your free template.

You should know that this strategy does not always work, and credit collections, even if paid in full, will still remain on your credit score for the time determined by your state’s statute of limitations. 

#3. Ask For A Goodwill Deletion

If negotiating with payment for deletion does not work, then you are left with paying off the debt and then asking for a Goodwill deletion. 

This means that you will first pay off your debt and then send MRS Associates a letter of goodwill. This will emphasize your situation or predicament and will ask them to empathize with you now that you have settled the debt. This letter will ask them to remove the collection from your credit report.

One thing to remember about your paid-off debt is that new credit scoring models will ignore paid-off collection accounts. This means that if you pay off your debt, your credit score will be boosted. However, this does not necessarily mean that the negative mark will be removed. 

#4. Wait Until The Debt Falls Off Your Credit Report

The only other alternative strategy that you can use to help get MRS Associates off your credit score is to wait 7 years or the time frame dictated by your state’s statute of limitations for it to fall off your credit report.

Consider that we stated that even if you do pay your debt, your credit score will be boosted, but this negative collection mark will remain on your credit report unless you actively try to remove it. Moreover, in many cases, this does not happen, and it will remain there for that period of time. 

These are the only four ways by which you can try and get MRS Associates removed from your credit report. 

MRS Associates FAQs 

Now that we covered how to remove MRS Associates from your credit report, you may have some questions about them, the process, or your credit report in general. This section aims to answer those questions. 

Why Should You Remove MRS Associates From Your Credit Score?

The reason you will want to do this is so that you can increase your credit score. However, some individuals don’t think that a bad credit score has a meaningful impact on their life; the benefits of having a good credit score outways the bad. Some benefits of having a good credit score are;

  • You will have lower interest rates on credit cards and loans
  • You will have a better chance of credit card and loan approvals
  • You will have more negotiating (bargaining) power when it comes to loans and other offers
  • You can get approved for higher limits
  • You can get easily approved for home loans, rental houses, and apartments
  • You will get better car insurance rates
  • You can get a cellphone on contract with no security deposit
  • You can avoid security deposits on utilities

Is MRS Associates Legitimate?

MRS Associates is indeed a legitimate company, and trading under the name MRS BPO LLC they have a membership with RMAI (Receivables Management Associations International) and with ACA International. 

How Can You Stop MRS Associates From Bothering You?

If MRS Associates think you have a debt owed, it is not uncommon that they will call, email, or send postal mail to you until you have either paid the debt or arranged with them to do so. 

To get them to stop bothering you, at least for a little while, you can send them what is known as a debt verification letter. 

This formal letter is a request that debt collectors have to oblige to, by law, and it must provide evidence of your debt. Sending this letter will get them to stop calling and bothering you for a while, and if the debt is not legitimate, it will stop them altogether. 

Take note that you only have 30 days to send them this letter from when they first contact you. 

Am I Able To Sue MRS Associates For Harassment?

You are indeed able to sue them if they have harassed you. By showing that they have violated your rights per the Fair Debt Collection Practices Act, you can collect $1,000 for each violation of statutory damages. Moreover, they will also, by law, have to pay all the court costs and your attorney fees. 

Conclusion

Trying to get MRS Associates removed from your credit report can be a bit tough, but it is not impossible. We discovered that you would find this easier to do if you have either paid off the debt, are able to pay it off, or the debt is not legitimate. 

Although you are in a better position to have MRS Associates removed from your credit report if you have these options available to you, it is noted that a collection can stay on your credit report for up to 7 years or the time frame stated by your state’s statute of limitations. 

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Mike Pearson


Mike is a recognized credit expert and founder of Credit Takeoff. His credit advice has been featured in Investopedia, CreditCards.com, Bankrate, Huffpost, The Simple Dollar, Reader's Digest, LendingTree, and Quickbooks. Read more.