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⁠How to Remove Mountain Land Collections From Your Credit Report

Last updated 07/04/2024 by

Bamigbola Paul

Edited by

Fact checked by

Mountain Land Collections is a debt collection agency that might be impacting your credit score. This comprehensive guide will help you understand their operations, your rights, and the steps you can take to remove their accounts from your credit report. Learn about the impact on your credit score, strategies for dealing with them, and how to protect your financial health.
Mountain Land Collections is a debt collector known for reporting collection accounts on consumer credit reports. Whether they’ve purchased the debt or are collecting on behalf of another creditor, their presence on your credit report can significantly impact your financial health. This article will guide you through understanding who they are, the implications for your credit score, and actionable steps you can take to manage and potentially remove their accounts from your report.

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Who is Mountain Land Collections?

Mountain Land Collections is a legitimate debt collection agency. They purchase debts from original creditors, such as credit card companies or loan providers, often for a fraction of the original amount owed. In other cases, they act as agents collecting on behalf of these creditors. They typically contact debtors through mail or phone calls, attempting to collect the outstanding amount.

How they operate

Mountain Land Collections may appear on your credit report if they have taken over a debt account. This often results from the original creditor selling your debt after attempts to collect it have failed. The debt collection agency then tries to recover the amount owed, sometimes using persistent phone calls and letters.

Impact on your credit score

Any collection account on your credit report can have a detrimental effect on your credit score. The presence of such an account indicates to lenders that you have failed to pay a debt, which can lower your credit score and affect your ability to secure new credit or loans.

Severity of impact

The negative impact of a collection account varies based on factors like the amount of the debt, how long it has been in collections, and your overall credit history. Typically, the newer the collection account, the more severe the impact on your score.

Pro Tip

Always request debt validation in writing within 30 days of the first contact. This can halt collection efforts until the debt is verified.

Removing Mountain Land Collections from your credit report

Removing a collection account from your credit report can be challenging but is not impossible. Here are several strategies to consider:

Dispute errors

If there are inaccuracies in the collection account details, you can dispute the errors with the credit bureaus. Under the Fair Credit Reporting Act (FCRA), credit bureaus must investigate and correct any inaccuracies reported to them.

Validate the debt

Request debt validation from Mountain Land Collections. This involves asking them to provide evidence that the debt is yours and that they have the right to collect it. If they cannot provide this documentation, they must remove the account from your report.

Negotiate a settlement

You can negotiate with Mountain Land Collections to settle the debt for less than the full amount owed. While this does not remove the account, it will update the status to “paid,” which is slightly better for your credit score than an unpaid collection.

Pay-for-delete agreement

Some debt collectors may agree to remove the collection account from your credit report in exchange for full payment of the debt. This is known as a pay-for-delete agreement. However, not all agencies agree to this, and it is not officially sanctioned by credit bureaus.

Request all correspondence in writing

Ensure a documented record of communications with Mountain Land Collections by requesting written correspondence. This helps to keep track of all interactions and provides evidence in case of disputes.
Contact Mountain Land Collections at the following address:
Mountain Land Collections Contact Information
852 E 1050 S, American Fork, UT 84003
Ph# +1 801-492-0136

How to file a complaint against Mountain Land Collections

If you believe Mountain Land Collections is violating your rights or engaging in unfair practices, you can file a complaint with the appropriate authorities. The Fair Debt Collection Practices Act (FDCPA) and other regulations protect consumers from abusive collection tactics.

Steps to file a complaint:

1. Document violations: Keep detailed records of any misconduct, including dates, times, and descriptions of incidents.
2. Contact the Consumer Financial Protection Bureau (CFPB): File a complaint online at CFPB’s Complaint Portal.
3. Report to the Federal Trade Commission (FTC): Submit a complaint to the FTC online at FTC’s Complaint Assistant.
4. State Attorney General’s Office: File a complaint with your state’s attorney general. Contact information can usually be found on the official state government website.

Understanding your debt collection rights

Knowing your rights can empower you when dealing with debt collectors like Mountain Land Collections. The Fair Debt Collection Practices Act (FDCPA) and the Fair Credit Reporting Act (FCRA) provide significant protections.

Key rights under FDCPA:

  • Right to verification: You can request verification of the debt within 30 days of the first contact.
  • Protection from harassment: Debt collectors cannot harass, oppress, or abuse you.
  • Right to dispute: You have the right to dispute any part of the debt that you believe is incorrect.

Pro Tip

Keep detailed records of all communications with debt collectors, including dates, times, and summaries of conversations. This documentation can be crucial if you need to dispute the debt or report violations.

Steps to take if you cannot pay

If you are unable to pay the debt collected by Mountain Land Collections, there are several options to consider:

Credit counseling

Seeking help from a credit counseling agency can provide you with guidance and assistance in managing your debt. They can help you create a debt management plan and negotiate with creditors on your behalf.

Debt settlement

Debt settlement involves negotiating with your creditors to pay a lump sum that is less than the full amount you owe. This can be a viable option if you have a substantial amount of debt and are struggling to make payments.


As a last resort, filing for bankruptcy can provide relief from overwhelming debt. However, this option has long-term consequences and should be considered carefully with the advice of a legal professional.


Dealing with Mountain Land Collections can be stressful, but understanding your rights and the steps you can take to manage your credit report can help. Whether you choose to dispute the debt, negotiate a settlement, or seek professional assistance, it’s important to take action to protect your credit score and financial health.

Frequently Asked Questions

Does Mountain Land Collections hurt my credit score?

Yes, a collection account from Mountain Land Collections can significantly hurt your credit score. The negative impact is most severe when the account is new and decreases over time.

Should I pay for delete with Mountain Land Collections?

Paying for delete is a strategy where you offer to pay the debt in full in exchange for the collection agency removing the account from your credit report. While it can be effective, not all agencies agree to this practice.

Should I negotiate a settlement?

Negotiating a settlement can be a viable option if you cannot pay the full amount. Ensure that any agreement reached is documented in writing before making any payments.

Is Mountain Land Collections legit, fake, or a scam?

Mountain Land Collections is a legitimate debt collection agency. They are not a scam, but their tactics can be aggressive and persistent.

Why does Mountain Land Collections keep calling me?

If Mountain Land Collections is calling you, they are likely trying to collect a debt. You have the right to request they stop calling, and you can handle the matter through written communication.

Key Takeaways

  • Mountain Land Collections is a legitimate debt collection agency that can impact your credit score.
  • Disputing errors, validating debt, and negotiating settlements are key strategies for managing collection accounts.
  • Know your rights under the FDCPA and FCRA to protect yourself from unfair debt collection practices.
  • Document all communications with debt collectors for potential disputes or legal actions.

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