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jpsslm

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How do I find out who a creditor is
I have a late payment listed on my report, I do not recgonize who it is and this has just appered in the last 90/120 days.

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Top Contributor
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Probably a mistake.

Helpful to 1 out of 3 people

Since humans enter all the data that appears on our credit reports and humans are far from perfect, errors are bound to happen.  That is why it has long been advised that we check our credit reports annually.

Go to annualcreditreport.com to get all 3 credit reports.  Look them over very carefully and file a dispute on each error with the credit bureau reporting same.  They are supposed to investigate and either verify or delete the entry.

That collection account has to be an error since collection agencies are notoriously annoying with the call frequency, and you didn't report having heard from them.

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