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In most cases, the original creditor will offer better repayment options than a debt collector will. However, if your debt has been sold to a debt buyer and the original creditor no longer owns it, you'll need to pay the collection agency to clear up the debt.
You can check your credit file to find out who you owe money to and if you have any defaults, County Court judgments (CCJs) or decrees. Finding out more about your debts will help you to understand your situation so you can start dealing with your debt problems.
Your credit report may contain the details of the company that bought the debt from your original creditor. You can access your credit report from major credit bureaus such as Equifax, Experian, and TransUnion. In addition, any collection accounts you have will be displayed as separate records on the credit report.
You can check your credit file to find out who you owe money to and if you have any defaults, County Court judgments (CCJs) or decrees. Finding out more about your debts will help you to understand your situation so you can start dealing with your debt problems.
You can get your free credit report from Annual Credit Report. That is the only free place to get your report. You can get it online: AnnualCreditReport.com, or by phone: 1-877-322-8228. You get one free report from each credit reporting company every year.