MRS BPO LLC on Your Credit Report? Fight Back and Win

Last Updated:
April 15, 2023

Debt collection agencies are a hassle to manage. Especially with frequent text messages and calls coming in at inconvenient times of the day. Thousands of people find the tactics of agencies like MRS BPO LLC exhausting.

Attempts to collect a debt are often guided by inaccuracies and errors. If MRS BPO LLC appeared on your credit report, you can have them removed. If you’ve been mistreated, falsely accused, or owe a debt and are unsure how to proceed, we can help.

Continue reading to learn more about MRS BPO LLC and how you should handle their calls. 


Founded in 1911, MRS BPO LLC is a third-party debt collection agency. They are responsible for collecting debt on behalf of the original creditor. According to the Better Business Bureau (BBB), they have a 1.24/5 star rating for customer satisfaction and 283 complaints in the past 3 years.

If MRS BPO LLC contacts you, take immediate action. Know your rights, and hold the deb collector accountable for any harassment, false claims and misreporting you might encounter. Mistakes and false debt accusations are unfortunately common with collection agencies like MRS BPO LLC. Continue reading to learn more about how to determine if their collection efforts directed at you are valid. 

Is MRS BPO LLC A Legitimate Company Or a Scam?

MRS BPO LLC is a legitimate company and not a scam. While they are authorized to collect debt for their clients, this doesn’t negate the countless complaints and lawsuits they’ve received. If you owe a debt to a creditor they are collecting on behalf of, they have a legal right to contact you. However, their communications must remain civil and can’t violate your consumer rights. 

Recipient and Consumer Complaints

MRS BPO LLC has received an overwhelming number of consumer complaints. Most concerns revolved around unfavorable customer service tactics. Customers complained about rude interactions with representatives. Moreover, customers were relentlessly contacted by the agency morning, noon, and night. Any abusive or excessive communication from debt collectors can be reported. 

Company Contact Information

We never recommend you contact an MRS BPO LLC representative directly or without having done your research. Once you confirm for them they have your correct contact information, their calls will likely become more frequent and aggressive.

However, having accurate contact information for the agency you’re grappling with is helpful. Their current contact information appears to be: 

  • Address & Location: 1930 Olney Ave Cherry Hill, NJ 08003-2016
  • Phone Number: (888) 334-5677
  • Website:

Why is MRS BPO LLC Calling Me?

MRS BPO LLC may call you on behalf of various creditors. The alleged debt they are pursuing may not actually be yours to pay. In many instances, third-party collection agencies such as MRS BPO LLC make errors in their debt collection pursuits. 

That said, if you’re hearing from them, it’s likely due to an alleged debt regarding one of the following: 

  • Phone, internet, or cable bills
  • Loan payments
  • Rent payments
  • Utility bills
  • Credit card bills
  • Medical or health insurance payments

Who Does MRS BPO LLC Collect For

MRS BPO LLC, like most other debt collection agencies, does not publicly share the specific clients in which they collect for. However, here is a list of industries they are known to work closely with:

  • Credit card providers
  • Utility services
  • Telecommunications
  • Auto loan providers
  • Student loan organizations
  • Financial services
  • Healthy care providers

Common Collection Errors To Watch Out For

Third-party debt collection agencies commonly contact individuals with misinformation. FCRA laws protect consumers from any errors or false accusations from MRS BPO LLC and companies like them. Advocate for your credit score and keep the following common debt reporting mistakes in mind if a collector contacts you.

  • Debts inaccurately reported as overdue even when you paid on time.
  • Accounts appearing as a result of identity theft.
  • The same account appears more than once on your report. 
  • Closed accounts are still reported as open. 

Am I Being Harassed?

An attorney that specializes in debt resolution can help you understand your rights when it comes to harassment during debt collection. If you’ve received threats, requests for personal information, frequent calls, or other inappropriate communication from the agency, you should seek advice and help. 

How Southwest Credit Systems Can Affect Your Credit

An account from MRS BPO LLC on your credit report will inevitably affect your overall credit score. As a result, this can affect your ability to rent/lease property or apply for future lending such as car loans, home loans, credit cards, and even cell phone plans. 

Before panicking about your credit, there are several exceptions to consider. 

  • The debt may have been acquired as a result of identity theft. 
  • Perhaps you already paid off your debt but it’s still showing up on your report. 
  • The account may be 7 years old and still displayed on your report. 
  • The debt collector may have contacted the wrong individual for a debt belonging to someone else. 

Effectively Remove Southwest Credit Systems From Your Credit Report

If you’re stressed seeing the negative effect of having MRS BPO LLLC on your credit report, you’re not alone. We want you to know that there are actionable steps for you to eliminate the account for good. Whether you owe a debt or not, here are options to come to a proper resolution. 

Thoroughly Review Your Credit Report

Carefully reviewing your credit report is the best way to identify errors. Request a copy of your report from all three of the major credit bureaus. These reports may vary slightly, so review all three of them. Check the reports for accuracy and make a note of any discrepancies or errors in reporting.

File a Cease and Desist

To end unwanted communications you can send a Cease and Desist letter to MRS BPO LLC. This is essentially a request for the agency to stop all communication attempts with you. Even if you intend to pay off the debt or work towards a settlement, you can send this letter to cease communications while you do your research and determine the best route to take.

Hire a Trustworthy Team

You don’t have to face intimidating debt collection agencies alone. Having a team of experts on your side can make all the difference in your case and ease your stress. 

Call Us Today - Get MRS BPO LLC Off Your Credit Report

Have third-party debt collection agencies like MRS BPO LLC been constantly harassing you and making false claims about your debt? Our experienced attorneys have a breadth of industry knowledge to navigate these agencies.

No one should put up with outdated and inaccurate information on their credit report. Hire one of our attorneys to learn about your rights and to check your credit report for errors and misreporting. Contact us today for a free consultation with one of FCRA’s attorneys.

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