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ktsmom1971

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how to contact creditors
How do you contact a creditor if the only thing on your credit report is an account number? I have a credit report from my bank and most of the items listed only say " collections" and an account number. How would I contact them to resolve these debt?

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Get the 3 major credit reports from Transunion, Experian and Equifax.  Go to annualreport.com to get these and look them over carefully.  File a dispute with the reporting credit bureau for any item you know or suspect may not be yours.  The credit bureau has 30 days to investigate and either verify or delete the entry.   You cannot dispute items that, while unpleasant (judgements, late payments, etc) ARE on accounts that are yours.

Make it a habit to check your credit reports annually, since humans enter the data and humans are quite imperfect.

These 3 credit bureaus usually do show the names and address of the creditors, so if the collection accounts are yours, you'll be able to contact them.

HOWEVER, if you are not currently receiving letters and/or phone calls from these collectors, most likely these are NOT your debts.

Hope this helps.

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how do i find the account number to a creditor on credit karma

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