Is Mountain States Commercial Collections, Inc. on Your Credit Report?
Short answer: Mountain States Commercial Collections, Inc. (Mountain States Commercial Credit Management) is a real, legitimate third-party collection agency based in Englewood, Colorado. It is not a scam — but a legitimate collector can still report a debt that is inaccurate, unverified, past the statute of limitations, or not even yours. You have the right to demand proof before you pay a cent.
Who Is Mountain States Commercial Collections, Inc.?
Mountain States Commercial Collections, Inc. is headquartered in Englewood, Colorado and works defaulted consumer balances. If the amount, the dates, or the creditor name look wrong, those are the specifics to put in a written dispute.
You may also see this company on your report or in letters as: Mountain States Commercial Credit Management.
What most people don't know about Mountain States Commercial Credit Management:
Licence COM9900493 is the Florida commercial collection agency (COM) registration filed by Mountain States Commercial Collections, Inc., and the address of record on it is Englewood, Colorado. The COM licence type is Florida's commercial collection registration — it authorises business-to-business collection, which is a different activity from pursuing a household account. The filing places the office in Arapahoe County. Florida first approved the registration in January 2021, and the current approved status took effect in December 2025. The same filing registers the trade name MOUNTAIN STATES COMMERCIAL CREDIT MANAGEMENT — that is often the wording that actually shows up on a letter or a credit-report tradeline, rather than the legal name. The firm has no debt-collection complaints on file with the CFPB. A clean federal record is not a guarantee about any individual account, and it does not reduce the firm's obligation to verify a disputed balance.
Why Is Mountain States Commercial Credit Management on My Credit Report?
Mountain States Commercial Collections, Inc. typically collects defaulted consumer loans, credit card debt, utility arrears. A collection like this usually lands on your report because:
- ✅ An original account (a defaulted consumer loans, for example) went unpaid and was charged off.
- ✅ The account was placed with Mountain States Commercial Collections, Inc. to collect on behalf of the original creditor.
- ✅ Mountain States Commercial Collections, Inc. furnished the account to one or more of the three credit bureaus (Equifax, Experian, TransUnion).
Important: a collection account on its own does not prove you owe the debt or that the amount is correct. That's where your rights come in.
Your Rights When Mountain States Commercial Credit Management Contacts You
Federal law — the Fair Debt Collection Practices Act (FDCPA) and Fair Credit Reporting Act (FCRA) — gives you powerful tools. Here is the playbook we use at Crowned Credit.
1. Debt Validation (FDCPA §809)
Within 30 days of first contact, send Mountain States Commercial Credit Management a written debt-validation letter. They must prove the debt is yours, the amount is correct, and they have the legal right to collect. If they can't, they must stop collecting and it should come off your report.
2. Dispute With the Bureaus (FCRA §611)
You can dispute the Mountain States Commercial Credit Management tradeline directly with Equifax, Experian, and TransUnion. The bureaus have 30 days to investigate. If the account can't be verified, the law requires it be deleted or corrected.
3. Cease-and-Desist
You can demand in writing that Mountain States Commercial Credit Management stop contacting you. They can still report and sue, but they must stop calls and letters — useful for stopping harassment while you build your case.
4. Pay-for-Delete (in writing only)
If the debt is valid and yours, you may negotiate to pay in exchange for deletion of the tradeline. Never pay on a verbal promise — get the pay-for-delete agreement in writing first.
5. Statute of Limitations
Every state has a time limit on how long a collector can sue you for a debt. If the debt is "time-barred," Mountain States Commercial Credit Management can still ask for payment but generally cannot win a lawsuit — and making a payment can dangerously restart the clock.
6. Protection From Harassment
The FDCPA bars Mountain States Commercial Credit Management from calling at unreasonable hours, threatening you, or lying. Every violation is potential leverage — and may entitle you to damages.
How Crowned Credit Helps With Mountain States Commercial Credit Management
We don't send cookie-cutter form letters. We investigate the specific account, assert every applicable right, and work it with all three bureaus and the collector directly.
Review & Validate
We pull all three bureau reports, find every error on the Mountain States Commercial Credit Management entry, and demand full debt validation.
Dispute & Escalate
Hand-packed disputes go to the bureaus and the collector. When they fail to investigate properly, we escalate to the CFPB and, where warranted, attorneys.
Track & Build
We monitor deletions in real time and coach you on rebuilding once inaccurate items are addressed.
See our transparent pricing — no long-term contracts.
Mountain States Commercial Collections, Inc. — Frequently Asked Questions
Is Mountain States Commercial Collections, Inc. a scam or a legitimate company?
Mountain States Commercial Collections, Inc. is a real, registered third-party collection agency headquartered in Englewood, Colorado. It is a legitimate business — but "legitimate company" does not mean the specific debt it's reporting is accurate, validated, or even yours. Scammers do sometimes impersonate well-known collectors like Mountain States Commercial Credit Management, so always demand written validation before paying anything.
Why is Mountain States Commercial Collections, Inc. on my credit report?
Mountain States Commercial Collections, Inc. is headquartered in Englewood, Colorado and works defaulted consumer balances. If the amount, the dates, or the creditor name look wrong, those are the specifics to put in a written dispute. It most commonly collects defaulted consumer loans, credit card debt, utility arrears. It likely appeared after an original account went unpaid and was placed with them for collection. Licence COM9900493 is the Florida commercial collection agency (COM) registration filed by Mountain States Commercial Collections, Inc., and the address of record on it is Englewood, Colorado. The COM licence type is Florida's commercial collection registration — it authorises business-to-business collection, which is a different activity from pursuing a household account. The filing places the office in Arapahoe County. Florida first approved the registration in January 2021, and the current approved status took effect in December 2025. The same filing registers the trade name MOUNTAIN STATES COMMERCIAL CREDIT MANAGEMENT — that is often the wording that actually shows up on a letter or a credit-report tradeline, rather than the legal name. The firm has no debt-collection complaints on file with the CFPB. A clean federal record is not a guarantee about any individual account, and it does not reduce the firm's obligation to verify a disputed balance.
Can Mountain States Commercial Collections, Inc. be removed from my credit report?
Yes — inaccurate, unverifiable, or improperly reported Mountain States Commercial Credit Management collection accounts can be removed. Under the FCRA, the credit bureaus must investigate your dispute, and if Mountain States Commercial Collections, Inc. cannot verify the debt, it must come off your report. Crowned Credit reviews the account for errors, demands debt validation, and disputes it with all three bureaus.
Should I pay Mountain States Commercial Collections, Inc. or dispute it first?
Do not pay before you validate. Once you confirm a collection is yours, accurate, and within the statute of limitations, you may consider a pay-for-delete agreement in writing. But paying an unverified or time-barred debt can restart the clock and lock in a negative entry. Get a free assessment before you send any money to Mountain States Commercial Credit Management.
How long can Mountain States Commercial Collections, Inc. report this debt?
Most negative collection accounts can remain on your credit report for up to seven years from the original delinquency date — not from when Mountain States Commercial Collections, Inc. acquired or began collecting it. If the account is being "re-aged" to look newer, that is a reporting violation you can dispute.
Will Mountain States Commercial Collections, Inc. sue me?
Some collectors and debt buyers do file lawsuits, especially before the statute of limitations expires. If you are served, do not ignore it. Validate the debt, check whether it is time-barred in your state, and get help. Most third-party agencies focus on collection rather than litigation, but you should still respond to any legal notice.
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