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Can a Collection Agency Report to the Credit Bureau Without Notifying You?

Credit Corp

Can a collection agency report to a credit bureau without notifying you? The name of the original creditor to whom the debt is owed. Sometimes, collectors may be allowed to make a claim if they have taken the consumer to court and received a court-approved judgment. The answer might not be that simple.

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What Is Zombie Debt and Why Is It a Problem?

Credit Corp

Zombie Debts and Judgments. If the original creditor went to court and obtained a judgment against you for a debt, the zombie debt cycle can be more complicated. First, judgments provide the creditor with the legal means to collect via actions such as wage garnishments or bank account liens.

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How To Remove Negative Items From Your Credit Report

Better Credit Blog

If disputing the negative entry doesn’t work because you couldn’t find errors, or because the credit bureaus fixed them, your next step should be asking for a goodwill adjustment. Write a letter to the original creditor or collection agency and ask them to remove the negative entry from your credit history as an act of goodwill.