Find a Collection Agency or Creditor - Address and Phone Number for Creditors and Collection Agencies
How to Find a Creditor or Collection Agency
Last Updated: August 30, 2016
We see numerous posts on our credit repair forum asking about how to get in touch with their creditors. They know they owe money to someone, but have no idea who or what their address or phone number could possibly be. This frequently happens when we get behind on our payments and just plain 'ol forget about them all together. Then, a few years later, we decide to take a chance and apply for that loan but we know we have some skeletons in our closet, so to speak.
If you are thinking about getting a loan, one of the first steps you should do is to repair your credit. This may mean having to dispute negative information reported by a creditor or a collection agency, but you may not know how to get in touch with these agencies and finding their contact information may not be that easy.
The best way to obtain this information is to request copies of your credit reports. You can get one free copy a year from AnnualCreditReport.com. If you want to be able to access your report throughout the year or maybe get notifications of changes on your credit reports, you can sign up for a free credit report and score. We have a list of companies we recommend on our credit report comparison page.
What Information is on Your Credit Report
After you obtain your credit report, you will see a listing of the names and contact information for each company you owe money to. You will also see if your account was transferred to a collection company, and if so, it will show you the contact information for that agency. Use this information to send your dispute letters. There will be an abbreviated account number listed so make sure to include this number on your correspondence.
Other Ways to Locate a Creditor or Collection Agency
Sometimes you may get your letters back with a stamp "return to sender" as what you thought was a correct address, turns out to be wrong. If you are having trouble getting in contact with a creditor or a collection agency because you don't know where to send them letters, here are some resources:
- Search the Internet - This is probably the first thing to try. Open a browser, such as Firefox or Chrome, and go to www.google.com or www.bing.com and type in the name of the creditor or collection agency. Chances are good that if they are still in business, you will pull up their website. From here, you can go to their "Contact Us" page and obtain their mailing address and phone number.
- Search the BBB - Go to the The Better Business Bureau website and do a business search. If they are affiliated with the BBB, you will be able to obtain their contact information.
- If those two searches come up empty, try calling your state attorney general, who usually works with your state's consumer protection agency.
- Lastly, you can also try your state's corporation commission.
Hopefully one of these ways will get you the information you need. It is important to know where to send your credit dispute letters if you are planning to repair your credit. And, don't forget to send all correspondence certified and return receipt so you know the intended party received your letter.