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Credit Advice
Topics addressed on October 26, 2011:
Credit report lists names, contact information for collection agencies
Dear Experian,
I am trying to pay off my debts with collection agencies, but I do not know who to contact as they do not send me any collection notices for my debts. Would you guys be able to provide me the telephone numbers of the collectors I need to pay off? I want to improve my credit, and I want to start by paying off all my debts.
- OON
Dear OON,
Your personal credit report lists all of your debts reported to the credit reporting company, including collection accounts. A telephone number is also provided with each account when it is available.
You can get your personal credit report free once every 12 months at www.annualcreditreport.com. You may also qualify for additional free reports under state law and the federal Fair Credit Reporting Act (FCRA).
The report provides you with information about how much the collection agencies are reporting you owe them, as well. You should be able to contact them and work with each to begin repaying any outstanding debt once you have your report in hand.
Thanks for asking.
- The "Ask Experian" team