What does MOUTAINRUNSO mean on my credit report?

Learn about MOUTAINRUNSO, an creditor offering loans for financial assistance. Check the impact to your credit report and financial status.

Updated January 1, 2023
Header image

What is MOUTAINRUNSO?

MOUTAINRUNSO is shorthand for Mountain Run Solutions LLC, with the company name being Mountain Run Solutions LLC Inc

MOUTAINRUNSO is a Creditor provider. They could be on your report for a number of reasons, for example:

  • ⚫ You missed a repayment.

  • ⚫ You opened an account with Mountain Run Solutions LLC.

  • ⚫ You opened a credit card / loan / mortgage with this company.

  • ⚫ Someone fraudulently opened a credit line under your name.

About the account

The account is classified under the following METRO2 categories:

  • ⚫ Collection Agency/Attorney

How do I contact them?

Here is the current contact details for Mountain Run Solutions LLC:

Address:

  • 313 E 1200 S Suite 200. Orem, Utah 84058

Website:

Email:

Phone:

Payments

Mountain Run Solutions offers various payment methods, including checks, money orders, wire transfers, and prepaid debit cards. They are a part of the Receivables Management Association International (RMAI) and have a certification number of P1908-1324. There are no penalties for late or missed payments.

Question Answer
Do they offer a monthly payment plan? No
Can I make payments over the phone? No
Can I make payments online? Yes
Do they offer a discount for automatic payments? No
Can I make a payment using a mobile app? Yes
Can I make a payment using a prepaid debit card? Yes
Can I make a payment using a wire transfer? Yes

Forgiveness and Cancellation

Mountain Run Solutions does not offer loan forgiveness or consolidation. You can make a payment, view a copy of your bill, dispute the debt, contact RMAI for resources, and send a Cease and Desist letter if you want us to stop communicating with you.

Question Answer
Do they offer loan forgiveness? No
Do they offer loan consolidation? No

How to Apply

Mountain Run Solutions does not have any online or mobile loan application options available. You can not apply for a loan over the phone or in person either. The only way to apply for a loan is through their website. You also can not have a cosigner on your loan.

Question Answer
Can I apply for a loan online? No
Can I apply for a loan over a phone call? No
Can I apply for a loan in person? No
Can I apply for a loan using a mobile app? No
Can I apply for a loan with a cosigner? No

SmartCredit Report Example

  • This is an example of what this creditor will look like on your SmartCredit report.

MOUTAINRUNSO SmartCredit Report

Will this affect my credit score?

Whether this account affects your credit score depends on a variety of factors, such as:

  • Account Open Date: If you opened this account recently it will impact your credit, the only way to prevent this from impacting your credit score is to remove the account from your report.
  • Derogatory Markings: If this account has any derogatory markings such as: Lates, Charge Offs, Collections and others.

However, there are could be some potential positive aspects to this account which could lead to improving your credit score, such as:

  • Account Age: If your account is quite old, then the age of it will positively impact your credit score
  • Repayment History: If the account has no Late Payments, Charge off Payments, then it may reflect a positive impact onto your credit score.

Can it be removed from my credit report?

Yes, with the right strategy, you will be able to remove any account from your report. But you have to be careful to ensure that the account is negative to begin with, or it will negatively impact your credit score.

However, removing a negative account will positively impact your credit score, allowing you to open new credit lines and potentially removing bad debt.

How do I remove MOUTAINRUNSO from my credit report?

You can send a dispute letter to the credit bureaus to remove this account from your report. You must send a dispute letter to all three credit bureaus, as they are legally required to remove the account from your report if it is found to be inaccurate. For best results you should send a dispute letter to the credit bureaus via certified mail, this will ensure that you have a legal record of the communication.