Collection account payments should never be sent to Experian


Dear Experian,

I recently looked at my credit report and saw that I owe two debts, and Experian is the collector. My question is where do I send the payment? I have been trying to pay it for a while now with no luck. Can you help?



Dear PDR,

Experian does not collect debts on behalf of creditors, and you should never send debt payments to Experian.

Collection agencies may have reported the debts to Experian, resulting in them appearing on your Experian credit report, but Experian would not be listed as a creditor. Any payments you make should go to the current owner of the debt – either the original creditor, or if the debt was charged off and sold, to the collection agency.

If you have not already done so, order a copy of your personal Experian credit report. You are entitled to one free copy of your credit report every 12 months from each of the national credit reporting companies. To learn more about requesting your personal credit report visit

When you receive the report, each account listing will show the name of the creditor as well as their mailing address and phone number, if it was provided. Collection agency accounts will also show the name of the original creditor that sold the debt.

You can contact collection agencies listed in your report either by using the information provided, or by searching online for additional contact information. You may want to call the company and verify the correct address before you send your payment to ensure that it is applied correctly to your account.

Thanks for asking.

The “Ask Experian” team

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