Can your credit be affected if a collection agency has no social security # or the wrong ssn for the person?

Answer 1

The SSN isn't the only piece of ID which is used by the credit bureau to match transactions and accounts to your credit file. So, the lack of the SSN won't prevent them reporting to the credit bureau, thus your credit can indeed be affected.

Answer 2

I have a difficult time understanding how a creditor could assign an account to a collection agency and fail to let them know what customer identifiers they had.

If the collection agency has a data entry error that has them using the wrong Social Security number, it won't be long before they do a periodic audit and correct the error.

Finally, I never did understand how someone could borrow money from someone and then not pay it back. Especially now that the person knows that the money they borrowed is being pursued by a professional collecion agency. It's not like it's a mystery - 'oh, do I owe you something?'

Pffft.

Answer 3

it quite is a rip-off. i do no longer think it replaced into concerning to a pupil loan, somebody wanted to get your very own suggestions and all it would have taken replaced into you correcting them. Make notes on the call, time, date, and communique verbatim. in the event that they call back, ask them for his or her business corporation suggestions, i.e. a telephone huge type the place they are able to be reached, which lender they artwork for, etc. additionally, tell them in improve you're recording the communique. in the event that they draw % up on you, record a police record. in case you have caller identity write down the huge type if accessible, in case you haven't any longer have been given caller identity, get it! FYI, pupil loan corp, or any representative thereof won't use your SSN anymore for verification purposes. you additionally can want to run a credit record. even nonetheless i think of it quite is a random rip-off, verify your record just to be secure. *upload No it won't harm your credit as they have been of course fishing for it. In different words, they have not got your SSN, in any different case they might have used it to get something of your very own suggestions, i.e. finished call, handle, etc. from you. nevertheless, i'd verify your record, just to be on the secure area.

Answer 4

no, you have to have a social security # to be reported to the credit bureau and if they have a wrong # then it is that person's credit that will be affected.

Answer 5

Duh! Of course.