Debt collection brands
A letter arrives from a company you have never heard of, about a debt you may or may not recognize. The first useful question is not whether to pay it, but whether it is on your credit report, and under whose name.
Why the name is unfamiliar
Debts change hands
A debt can be handed to an agency to collect, or sold outright. The company contacting you is often not the company you originally dealt with, and it reports under its own name.
One debt, more than one entry
If a debt has moved more than once, more than one entry relating to it can end up on your file. What that should look like, and what it actually looks like, are not always the same thing.
Contact is not proof
Being contacted about a debt is not the same as that debt being accurately reported about you. Checking your own file is how you find out which you are dealing with.
What we can do about it
We are not a hotline for identifying callers. What we do is read your file.
A free credit analysis shows you which collections appear on your reports and under which names. Information that is inaccurate, unverifiable, incomplete or past the window it may be reported for can be disputed. Information that is accurate and current cannot, and you will be told which is which.
If you would rather just ask someone
Call (800) 411-3050 and a specialist will talk it through with you, or use the contact form. The frequently asked questions cover what the service costs and how cancelling works.