With years of experience and a passion for helping clients achieve their financial goals, our team is committed to guiding you on your journey to credit recovery and financial success.
Ashley is currently the Chief Compliance Officer for Credit Saint, previously the Chief Operating Officer. Ashley got into the Financial world by working as a Logistics Coordinator at Ernst & Young. Coming from a previous career in education, she is eager to teach the world every.
Mountain Run Solutions is a debt collection agency that specializes in purchasing and collecting overdue accounts. If you’re seeing them on your credit report you likely have an unpaid balance.
Absolutely, Mountain Run Solutions functions as a debt collector. They acquire unsettled debts from creditors who have given up on collecting those amounts. Once Mountain Run Solutions has your debt, they might contact you through mail or phone to seek payment. Having a collections account listed on your credit report can lower your credit score, affecting your ability to secure loans or other financial approvals.
Mountain Run Solutions acquires outstanding debts from various creditors. It’s hard to pinpoint exactly who they represent, as this data often isn’t shared widely and changes regularly.
If Mountain Run Solutions is listed on your credit report, it likely has a negative impact on your credit score. Having a debt collection company on your credit report can significantly harm your credit score due to several factors. Here’s why:
First, it indicates that you have past-due debts that have been handed over to collections, reflecting a history of financial difficulty or non-payment. Second, it adds a negative entry to your credit history, impacting your payment history, which is a crucial component of your credit score. Additionally, collections can remain on your credit report for up to 7 years, continuously dragging down your score during that time.
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For Mountain Run Solutions to be removed from your credit report, certain conditions need to be met, such as finding inaccuracies or errors on the account. It’s alarming, but according to a U.S. PIRGs study, a staggering 79% of credit reports have mistakes. We specialize in addressing these issues for our clients.
Credit Saint’s position is to always address any outstanding or unpaid debts so that they do not cause more potential harm in the future. However, remember that even after the item it paid, the collection will still remain on your credit history for 7 years from the date of delinquency of the original account. If you feel the item is reported inaccurately you have the right to dispute it.
Step one is to contact the collection agency and discuss the account. Confirm the original creditor, confirm the account is yours, and discuss your options. If the collection agency is willing to work with you on settling the account for less than full balance, they can advise you of your options.
Still, as mentioned above, this may not automatically remove the damage from your reports. You can ask the collection agency representative what your options for deletion are. If they are not willing to remove the item and you feel it is inaccurate or in error, you have the right to dispute it to the credit bureaus.
Mountain Run Solutions is not fake or a scam. They are a legitimate business, however, their persistent calls might feel overwhelming. Addressing any unverified debts is one way to manage this.
Mountain Run Solutions is likely trying to recover a debt, which is why they keep reaching out. The worst thing you can do is ignore them. You do not want to have the situation be escalated to another collection agency or to have them seek legal action for the debt. Have a conversation with them about the account to review all the details of it.
To stop Mountain Run Solutions’s constant calls, it’s advisable to collaborate with a professional agency like Credit Saint. By addressing the root cause, you can eliminate those disruptive calls for good.
