Oct
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 http://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

Our policies for Ask Experian:

The information contained in Ask Experian is for educational purposes only and is not legal advice. You should consult your own attorney or seek specific advice from a legal professional regarding your particular situation. Please understand that Experian policies change over time. Posts reflect Experian policy at the time of writing. While maintained for your information, archived posts may not reflect current Experian policy. The Ask Experian team cannot respond to each question individually. However, if your question is of interest to a wide audience of consumers, the Experian team will include it in a future post.