How do I find the collection agency?
Question: How do I find out who’s got the contract to collect on an old VISA card debt that went to collections a while ago? I’m trying to clear up my credit situation in preparation to buy a house in the next few years, and I defaulted on this VISA, but no longer have the card, account number or anything like that. I now have the means to pay this bill off, but because I moved around a lot while I was a student, I have lost track of the collection agency.
Answer: There are two options. First, you could phone the bank where you had the credit card. They should be able to advise you on how to make payments.
Your other option would be to get a copy of your credit report from Equifax; it will list your debts, with contact phone numbers to contact the creditor.