MRS BPO, LLC is a real debt collection agency based in Marlton, New Jersey. It’s the company many people still know as MRS Associates. If MRS is calling, texting, or showing up on your credit report, it is most likely collecting for a company you did business with, and it has to follow the same federal rules as any other collector. That includes giving you a chance to dispute the debt.
This guide covers who MRS is, how its accounts show up on a credit report, the problems worth checking for, and how to dispute an MRS collection that’s wrong.
Key Takeaways
- MRS BPO, LLC is a legitimate collection agency, founded in 1991 and formerly known as MRS Associates.
- MRS collects for other companies. The original creditor field on your credit report tells you whose debt it is.
- MRS texts and calls are often genuine, but confirm any request for payment through the contact details on your validation notice or MRS’s own site.
- You can dispute an MRS collection with MRS and with each credit bureau that reports it, on the same day.
- Before you pay, check that the debt is yours, the balance is right, and it isn’t past your state’s statute of limitations.
Who Is MRS BPO, LLC?
MRS BPO, LLC is a third-party debt collection agency. According to its website, it was founded in 1991 and collects for businesses it calls “blue-chip clients.” Its founders, Saul and Jeff Freedman, are now listed as strategic advisors, and the company says a technology firm recently took a majority stake.
The company has used several names over the years. You may see it as:
- MRS BPO, LLC (its current legal name)
- MRS Associates
- MRS or MRS BPO
MRS has moved from its old Cherry Hill, New Jersey, address. Its current address and contact information, from its customer portal:
| Mailing address | MRS BPO, LLC, 402 Lippincott Drive, Marlton, NJ 08053 |
| Phone | (888) 334-5677 (TTY 711) |
| [email protected] | |
| Hours | Monday to Friday, 9 a.m. to 6 p.m. ET; Saturday, 9 a.m. to 1 p.m. ET |
Is MRS BPO a Scam?
No. MRS BPO is a real collection agency, and its calls, letters, and texts are usually genuine. Its website says it reaches people by text, through an online portal, and by phone, and its communications identify MRS as a debt collector.
That doesn’t mean every message using the MRS name is real. Scammers sometimes pose as collectors. Before you pay, make sure the debt matches a validation notice you received, and pay only through contact details you’ve confirmed yourself, not a link or number from an unexpected message.
Being a real collector also doesn’t mean MRS is always right. Collection agencies work from the information their clients send them, and that information can be incomplete or out of date. Like many large collectors, MRS has been sued by consumers under the Fair Debt Collection Practices Act.
Who Does MRS BPO Collect For?
MRS doesn’t publish a client list. People searching for MRS often mention payment services and phone companies, such as PayPal and U.S. Cellular, but MRS collects across many industries.
You don’t have to guess. Your account tells you:
- On your credit report, the original creditor field names the company the debt came from.
- The validation notice MRS sends you names the creditor the debt is owed to and the creditor as of a reference date, such as your last statement or the charge-off date.
Because MRS is an agency collecting for its clients, the original company usually still owns the debt. That matters if you want to dispute the balance or work out a payment, since the client decides what it will accept.
How Does MRS Appear on Your Credit Report?
An MRS account is a collection account. It appears under MRS’s name, with the company you originally owed listed as the original creditor. Our guide to what a collection account is explains each field.
Not every debt MRS collects shows up on your credit report. If MRS is calling about a debt but there’s no MRS account on your report, that’s collection activity, not a collection account. You can still dispute the debt with MRS, but there’s nothing for the credit bureaus to correct.
If MRS does report the account, it has to contact you about the debt before reporting it, under the federal debt collection rule.
What MRS Reporting Problems Should You Check For?
When you compare an MRS account across your three credit reports, look for these problems.
A balance that doesn’t match
The balance should match what the original creditor says you owe, plus only the interest or fees your agreement or state law allows. Compare it with your last statement from the original company and with the validation notice.
A debt that was paid or settled
If you paid or settled the debt with the original creditor or with MRS, the account should show a $0 balance and a paid or settled status. Keep your receipt or settlement letter.
Two collections for one debt
Collection agencies sometimes return accounts to a client, and the client sends them to another agency. If the same debt is reported by MRS and another collector with a balance, one of them shouldn’t be.
Dates that don’t line up
A collection account can stay on your report for seven years plus 180 days from the date the original account first went delinquent. Check that the date of first delinquency matches the original account and hasn’t been moved forward.
Differences between bureaus
The balance, status, dates, or original creditor may differ from one bureau to another. Each difference is something to question.
A debt that isn’t yours
Collection agencies sometimes contact the wrong person, especially someone with a similar name, or a relative at the same address.
How Do You Dispute an MRS Collection?
Dispute it the same way SmartDispute approaches any collection:
- Pin down the problem. Write down exactly what’s wrong at each bureau: the balance, the status, a date, or the whole account.
- Write to MRS. Mail a dispute to MRS BPO, LLC, 402 Lippincott Drive, Marlton, NJ 08053. Explain what’s inaccurate, ask MRS to correct it with every bureau it reports to, and include copies of any evidence. Don’t include your ID.
- Write to each credit bureau that reports it. Send each bureau the same point, written for that bureau, with copies of your evidence, your photo ID, and proof of address.
- Mail everything the same day. Keep copies and a record of the date you mailed each letter. Certified mail isn’t required.
- Send a second round at day 35 if needed. Compare the responses with your updated reports, and build the next round on what actually happened.
Our step-by-step guide to disputing a collection account covers what goes in each letter.
If you just got a validation notice
Timing gives you extra leverage. If you dispute in writing within the 30-day validation period on MRS’s notice, MRS has to stop collecting the debt until it sends you verification. That pause covers collection only. It doesn’t remove the account from your credit report, and a dispute sent after the 30 days is still worth sending.
If MRS calls too often
Debt collectors can’t call before 8 a.m. or after 9 p.m. your time, and calling more than seven times in seven days about one debt is presumed to be harassment. You can ask MRS in writing to stop contacting you, and to stop texting by replying to opt out. Asking MRS to stop contacting you doesn’t erase the debt or remove it from your credit report.
What Documents Should You Gather?
- Your three credit reports, with the MRS account marked on each
- The validation notice and any other letters or texts from MRS
- Your last statements from the original creditor
- Receipts, settlement letters, or bank records showing payments
- A record of calls: dates, times, and what was said
- For the credit bureau letters only: a copy of your photo ID and proof of your current address
Should You Pay MRS?
Not before you’ve checked the debt. Confirm it’s yours, the balance is right, and it isn’t past your state’s statute of limitations. Paying doesn’t usually remove a collection account from your credit report, and paying a time-barred debt can restart the clock in some states.
If you do decide to pay or settle, get the terms in writing first and keep proof of every payment. Our guide to what to check before you pay a collection agency walks through it. If the debt is a medical bill, read how medical debt affects your credit score first, since paid medical collections come off your report.
Frequently Asked Questions
What is MRS BPO, LLC?
MRS BPO, LLC is a debt collection agency in Marlton, New Jersey, formerly known as MRS Associates. It collects unpaid accounts for other companies.
Is MRS BPO legit?
Yes. MRS BPO is a real collection agency. Confirm the debt against your validation notice and credit report before paying, and contact MRS through details you’ve verified yourself.
What is the MRS BPO phone number?
MRS lists (888) 334-5677 for customer service. Its hours are Monday to Friday, 9 a.m. to 6 p.m. ET, and Saturday, 9 a.m. to 1 p.m. ET.
Why is MRS BPO texting me?
MRS contacts people by text as well as by phone and mail. Federal rules let collectors text, but they must give you a simple way to opt out. A genuine text should identify MRS as a debt collector.
Is MRS Associates the same as MRS BPO?
Yes. MRS Associates is the company’s older name. It now operates as MRS BPO, LLC.
Will MRS remove a collection if I pay?
Not necessarily. A paid collection usually stays on your report with a $0 balance, though paid medical collections are removed. If MRS’s reporting is inaccurate, dispute it whether or not you pay.
What’s the Next Step?
Pull your three credit reports and find the MRS account on each: the original creditor, the balance, the status, and the dates. Anything that’s wrong, or that differs between bureaus, is worth disputing.
SmartDispute lays out every collection from all three bureaus side by side and drafts suggested disputes for you to review, change, and mail yourself. See how SmartDispute works.