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

Yes, a debt collector can list your debt on your credit report in Washington. Under the federal Fair Debt Collection Practices Act, when you owe a debt, the debt collector must accurately report your debt. This means that they must provide accurate and up-to-date information on your debt to any credit reporting agencies. Debt collectors will report the debt to the credit agencies when they contact you about your debt. The debt will then be listed on your credit report, which will show up as a negative mark. This negative mark can hurt your credit score, as it will show you as a high-risk borrower. In Washington, debt collectors must provide you with a notice within five days of contacting you about a debt. This notice must provide you with the name of the creditor, the amount owed, and the date of the last payment. In addition, Washington law also requires debt collectors to inform you of your right to dispute any inaccurate information listed on your credit report within 30 days of the notice. However, debt collectors are not permitted to list any debts on your credit report if they have been unable to collect the debt after a certain period of time. In Washington, debt collectors are able to list a debt on your credit report up to five years from the date of the last payment. After this time, the debt collector is no longer able to list the debt on your credit report.

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