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Guide to Removing Report Mountain Run Solutions From Your Credit

Last updated 07/04/2024 by

Bamigbola Paul

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Fact checked by

Mountain Run Solutions is a debt collection agency that may appear on your credit report, impacting your credit score. Understanding how they operate, their impact on your credit, and the options available to you for dealing with them is crucial. This article provides detailed information on who Mountain Run Solutions collects for, how to handle their collections, and tips for improving your credit report.
Mountain Run Solutions, formerly known as Perfection Collection, LLC, is a debt collector that often shows up on credit reports, causing significant stress and financial complications for consumers. This article aims to demystify who Mountain Run Solutions collects for, how their collections affect your credit score, and the steps you can take to address these collections effectively.

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Who does Mountain Run Solutions collect for?

Mountain Run Solutions is a debt collection agency that buys debt from various creditors who have been unsuccessful in collecting the debt themselves. This can include debts from credit card companies, loan providers, and other financial institutions. They often purchase these debts for a fraction of the original amount owed, meaning they stand to profit significantly from collecting the full amount from consumers.

How they operate

Mountain Run Solutions may contact you via phone, mail, or even email to demand payment for the debt they’ve acquired. It’s important to understand your rights when dealing with debt collectors and to know that you are entitled to request verification of the debt.

Impact on your credit score

A collection account from Mountain Run Solutions can significantly harm your credit score. Such accounts are seen as major derogatory marks and can remain on your credit report for up to seven years. This can make it difficult to obtain new credit, secure loans, or even rent an apartment.

Pro Tip

Always request debt validation from Mountain Run Solutions. This forces them to provide proof that the debt is yours and that they have the legal right to collect it.

How to remove Mountain Run Solutions from your credit report

Dispute inaccurate information

If the information reported by Mountain Run Solutions is inaccurate or incomplete, you have the right to dispute it with the credit bureaus. According to a study by the U.S. Public Interest Research Group (U.S. PIRG), 79% of credit reports contain errors. Disputing these errors can potentially result in the removal of the collection account from your credit report.

Pay for delete

While paying off your debt might seem like the easiest way to get Mountain Run Solutions off your back, it doesn’t guarantee the removal of the account from your credit report. You can negotiate a “pay for delete” agreement where Mountain Run Solutions agrees to remove the account from your report in exchange for payment. However, success with this approach varies, and it is not guaranteed.

Goodwill removal

Sending a goodwill letter to Mountain Run Solutions requesting the removal of the account based on your good payment history might work, but it is generally less effective. Most collection agencies, including Mountain Run Solutions, do not typically honor goodwill requests.

Professional help

If handling this process feels overwhelming, consider seeking help from a credit repair company. These professionals are experienced in dealing with collection agencies and can negotiate on your behalf.

Pro Tip

Document every interaction with Mountain Run Solutions. Keep records of all correspondence and phone calls. This can be crucial if you need to dispute their claims or take legal action.

Request all correspondence in writing

Ensuring that all communication with Mountain Run Solutions is in writing can provide you with a documented record of all interactions. This can be crucial if you need to dispute their claims or take legal action.
Mountain Run Solutions contact information
313 E 1200 S Ste 200, Orem, UT 84058
Ph# +1 801-921-7379

How to file a complaint against Mountain Run Solutions

Consumer Financial Protection Bureau (CFPB)

The CFPB is a government agency that protects consumers from unfair, deceptive, or abusive practices. You can file a complaint online through their website.

Federal Trade Commission (FTC)

The FTC handles complaints about unfair business practices, including debt collection practices. Filing a complaint with the FTC can help hold Mountain Run Solutions accountable.

State attorney general’s office

You can also file a complaint with your state’s Attorney General’s office. Each state has its own process for handling consumer complaints, and they can take action against debt collectors who violate state laws.

Rights under the Fair Debt Collection Practices Act (FDCPA)

The FDCPA provides consumers with several rights when dealing with debt collectors. You have the right to request written validation of the debt, which forces the collector to provide proof that the debt is yours and that they have the authority to collect it. Collectors are restricted in how they can contact you; they cannot call you at inconvenient times or places, and they must stop contacting you if you send a written request for them to cease communication. The FDCPA also protects you from harassment, such as threats, repeated calls, or abusive language.


Dealing with a debt collection agency like Mountain Run Solutions can be stressful and complicated, dealing with a debt collection agency like Mountain Run Solutions can be stressful and complicated, but understanding your rights and options can empower you to take control of your financial situation. Whether you choose to dispute the debt, negotiate a settlement, or seek professional help, taking action is the first step towards improving your credit health. Remember to stay informed, document your interactions, and make informed decisions to protect your financial future.

Frequently asked questions

Is Mountain Run Solutions legitimate?

Yes, Mountain Run Solutions is a legitimate debt collection agency. They are not a scam, but their aggressive collection tactics can sometimes feel overwhelming.

Why do they keep calling me?

Mountain Run Solutions is trying to collect a debt. The best course of action is to either address the debt directly or seek professional help to negotiate and manage the debt.

Can they sue me or garnish my wages?

While it’s rare, Mountain Run Solutions can take legal action to collect the debt. This could result in wage garnishment or bank account levies if they obtain a judgment against you. However, this is usually a last resort.

What should I do if they contact me?

When contacted by Mountain Run Solutions, remain calm and do not acknowledge the debt as yours until you have received proper validation. Request a validation letter and review your options carefully before making any payments.

Key takeaways

  • Mountain Run Solutions is a legitimate debt collection agency that buys and collects on various debts.
  • A collection account from Mountain Run Solutions can significantly impact your credit score.
  • There are several ways to remove Mountain Run Solutions from your credit report, including disputing inaccuracies, negotiating pay-for-delete agreements, and seeking professional help.
  • Always document interactions with Mountain Run Solutions and request debt validation to protect your rights.

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