My name is Rose Jones business women and entrepreneur with a back ground in mortgages.
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If you should get a call from a collection company, Never ever give them your personal information, remember they called you or sent you collection information by mail or phone. If the item was on your credit report you can write them, if you call them block your number and do not give anything but the file #. Remember they are building a file on you..
Never give them you SS# or full name just give the information you have from their company if sent by mail, let them know that you received this information or phone call and ask why? if they can't help you from there ask for their mailing address. This a game they love to play, I have had them say we don't respond to letters, WHY I THINK TO MYSELF? Because once again they are gathering information on you and your being recorded they will tell you that or suppose to at the beginning of the call. If you do not get this information ask why they can't provide the information and who your speaking with, make sure you get the state, date and time of the call. DO NOT I mean DO NOT provide them information unless your prepared to pay up.
Turn around and write the Bureau's letting them know that you tried to contact the parties and they would not provide you any information as well or would not give you a mailing address to correspond with them in letter form. Understand the bureau's alway write you saying they confirmed the debt.. Tell them you demand to have the item removed from your credit report ASAP, all letters sent certified.
**Remember collection companies need to validate the debt**