Can collection agencies finde my social security number?
by Sandra
(Garden City, NY)
Hello, I moved from Germany to NY two years ago. One year ago I had an accident and end up with a huge emergency bill. I really do my best but right now I'm not able to pay it.
My question is if a collection agency can find out my social security number ones I have it and affect my credit score? Thank you Sandra
Comments for
Can collection agencies finde my social security number?
social security number and collection agency by: Gerri
A collection agency is allowed under the federal Fair Credit Reporting Act to review your credit reports in conjunction with collecting a debt. They are also allowed to report the account to the credit reporting agencies, and yes it will affect your credit.
Under federal law, a collection account may be reported for 7 1/2 years from the date you first fell behind with the original creditor. I believe New York state law limits the reporting of negative information to five years, however.
It sounds like your biggest problem here is not really the credit reports, but finding a way to deal with this debt. If you don't, you may be sued and that will create additional problems for you.
