Can a collection agency hit your credit report before notifying you in writing?

by Collection Agency Information

Can a collection agency hit your credit file earlier than notifying you in writing? This dull collection agency negatively hit my credit file without even shiping me anything else! I had to call them and have THEM ship the stuff out!

is this right? How can they just hit your credit file without providing you with the chance to dispute it?

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{ 3 comments… read them below or add one }

stan c July 31, 2009 at 12:56 am

When the collection agency bought your account, they also bought the papers you signed stating they will run a credit report on you.

Truth B July 31, 2009 at 2:37 am

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.

phius lacketta October 25, 2011 at 9:08 am

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