Can a collection agency hit your credit report before notifying you in writing?
Can a collection agency hit your credit report before notifying you in writing? This stupid collection agency negatively hit my credit report without even sending me anything! I had to call them and have THEM send the stuff out!
Is this right? How can they just hit your credit report without giving you the opportunity to dispute it?
agency, Before, Collection, Credit, notifying, Report, Writing
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When the collection agency bought your account, they also bought the papers you signed stating they will run a credit report on you.
First the account that wrote you off to collections would show on your credit report. A collection agency is hired by a company that has already contacted you and is already on your credit report. The company you owe shows that they sent it to a collection agent. If the collection came out of no where and you were never notified then I’d suggest that you speak to the collection company first. To clear your credit report you will need to contact one (if not all ) of the big 3 agencies and ask it to be removed. It is fruitless to think about incorrect process when you know you were written off to collections. Inaccuracies on your credit report have to be dealt with through the credit bureau.