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If you find discrepancies along with your credit score or info from your credit report, please contact TransUnion® immediately. Several bank card issuers print FICO scores on customers’ month-to-month statements and permit on-line entry as well. Some card issuers offer free scores to anyone, cardholder or not. Discover, for instance, offers a free FICO rating at CreditScorecard.com. Doing so provides that card’s fee history to your credit files, so you may desire a primary user who has an extended historical past of paying on time.

Reach out to the company the collector says is the original creditor. They may help you figure out if the debt is respectable – and if this collector has the best to gather the debt. Also, get your free, annual credit report on-line or at and see if the debt shows up there. However, it might be simpler to get assist from household or friends …