Home> Credit Library

Nationwide Collection Agency Lists | Junk Debt Buyers List | Credit Bureau Addresses List

Many times you may be unsuccessful in negotiating with a collection agency or simply are unable to locate them. There me be an old debt showing up on your credit reports and you will need to locate the collection agency to confirm the debt.

They may have refused your offer and compromise or settlement offers but what if you can direct your offer to the main contact who makes decisions within the company? Below is a list of debt buyers and collection agencies. If you find your account holder on the list, you can email, write by standard mail or call for the fax number and send your request to the appropriate party. By finding the collection agency on the list, you may find either a valid address or alternative address where you can communicate with the collection agency. Remember, junk debt buyers often resale off debts to other debt buyers so having an accurate address to communicate is vital.

• Locate a collection agency
  Find their location including phone, email and fax
• Collection agency laws by state
  find laws specific to your state and the collection agency
• Consumer Rights Attorney in your area
  Find an attorney to aid you in collection agency or creidtor issues
• Look up Zip Codes for OC or CA
  Find a collection agency or original creditor by zip code
• A-z List of Commercial Collection Agencies Nationwide
  The credit industry keeps a fresh list of collection agencies nationwide. This should be a good resource to check out.

Credit bureau addresses
To use for dispute process. By using different addresses each time, you improve your odds for better results. Many successful disputers' use varied addresses each time they send off their disputes because if there is a lag in the process, it could be because of who is receiving the disputes.

Equifax
P.O. Box 740241
Atlanta, GA 30374
1-800-685-1111
http://www.equifax.com

TransUnion
Consumer Disclosure Center
P.O. Box 390
Springfield, PA 19064-0390
1-800-888-4213
http://www.transunion.com

Experian
National Consumer Assistance Center
P.O. Box 949
Allen, TX 75013-0949
1-800-682-7654
http://www.experian.com

Innovis Consumer Assistance
P.O. Box 1358
Columbus, OH 43216-1358
1-800-540-2505

Alternate dispute addresses
This information is provided free in the Member area only. You can join now and get sample credit letters, articles and help for credit repair, credit repair ebook and bonus items such as the dispute address alternatives, credit glossary of terms, quick steps to repair your credit and more. Learn more or join now.

Creditor & CRA List
Not every creditor uses all three credit bureaus. Knowing this information is important especially when disputing accounts or settling debts. You never want to dispute an account with a credit bureau that may not have it. Doing so can alert the bureau and add the negative information. For a complete list of creditors and the credit bureaus they subscribe to, go to http://www.creditmania.com/thelist.asp

Junk debt buyers
Junk debt buyers are a real threat to consumers because many of them are purchasing debt that are expired. That means the debts are past the statute of limitations for collections. They purchase the old debts and then target the consumers for partial payments, promises to pay, anything that will renew the statute of limitations. If you've received a collection letter from a junk debt buyer or collection agency, make sure you check your SOL before you do anything!

Top Junk Debt Buyers
*Asset Acceptance (AAC)
*Sherman Acquisitions/Sherman Financial Group/Alegis NCO Group
*Portfolio Recovery Assoc
*Asta Funding
*Encore Capital Group (parent of Midland Credit Mgmt)
Allied National/Interstate Risk Management Alternatives (RMA)
JBC & Associates
Arrow Financial Services (majority interest acquired by Sallie Mae 9/04)
RJM Acquisitions
*CAMCO (Capital Acquisitions & Managment Company)
Excalibur
Cavalry Portfolio Services
Unifund Group
Phoenix Asset Acceptance
First Select Corporation (part of Providian)
Collins Financial Services
Oliphant Financial Corp.
OSI Portfolio Services

Important Note: The companies with an astrict * after their name have been the subject of recent FTC legal actions and penalties for illegal/abusive collection practices.

If you receive a bill from a debt collector for an old debt, beware! They will stop at nothing to ruin your credit rating, get you to renew the debt or generally make your life miserable. Use either the cease and desist letter to stop them, VOD to make them prove the debt or go to the FTC if you are being harassed by a junk debt buyer.

Junk debt buyer list provided by FDC.com. Visit to learn more about FDCPA rights and debt collectors.