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nubber1025

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have account in collections, cannot see which collections agency it is
I want to contact the collections agency because i didnt even know that i had an account in collections. but the company isnt listed on here so I can call or email.

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1) Go to annualcreditreport.com and get copies of all three credit reports, which you WILL look over very thouroughly and file disputes on all WRONG information with the credit bureau reporting same.  It is not unusual for errors to show up, and the collection account you refer to is likely that, or the credit report will have information on which company it might originally be from.

2) NEVER attempt to negotiate any payment arrangement or call to find out something about an account in collections even if it is yours.  ALWAYS do these things in writing and keep copies of all correspondence from both sides until after the account is fully settled.  The "phone drones" at the switchboards have a well rehearsed script they have to use and none of them are able to give you complete correct information, nor do they have the power to make any changes for you.

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