Can a debt collector list my debt on my credit report?

Yes, a debt collector can list your debt on your credit report in California. This is generally done when you are unable to pay back a debt that you owe to a creditor, such as a credit card company, retailer, or other lender. When this happens and the debt collector contacts you to demand payment, they will likely send your information to the credit reporting agencies, which will then list the debt on your credit report. Your credit report lists all of the debts you owe, and this debt will remain on your credit report until the debt is paid off. This is important to know because a debt on your credit report can affect your credit score and make it more difficult to access lines of credit and other financial products in the future. If you find out that a debt collector has listed your debt on your credit report, you should dispute the information and request a correction if necessary. You can do this by filing a dispute with the credit reporting agency. You will also have the right to request a copy of your credit report in writing once every 12 months. It is important to know your rights as a consumer in California and take the necessary steps to protect your credit score. To help you understand your rights, you can contact a reputable credit counseling agency for information and guidance about debt collection law in California.

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Can a debt collector list my debt on my credit report?

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