AboutChris Ebert Expertise I can answer questions for Texas and California residents concerning issues that involve creditor and debtor rights. Specifically, I can answer questions concerning: FDCPA, FACTA, FCRA, and Texas / California state collections violations.
Experience For the last 6 years I have worked as a Sr. Paralegal in a law firm (http://www.henleycreditlaw.com) that defends debtors against their creditors. I have reviewed thousands of credit reports and under the supervision of our attorney helped hundreds of client resolve their credit issues.
Organizations Henley & Henley, PC
Education/Credentials BBA University of Texas at Austin
Question Hi. I am an international student without SSN. In the past I
had an incident where I did not pay a bill on time and was
contacted by the National Debt Collection Agency. I am not
sure if it has been written off or still in the books. I
think I shouldn't have been charged those bills and still
arguing with the company that charged me. I now have a job
and will be getting my SSN in a week. Will the late payment
before I had the SSN affect my credit score now? Could they
track my new SSN? Anyway, is SSN how credit agencies
identify people? I am very confused. Thank you for your
help.
Answer KB,
The short answer is that it could should up on your credit report with your new social at some point.
Collection agencies do not need your SSN to collect. It is helpful to have so they can track you easier. If they do not have your social then they can hire a "skip trace" company to try to find it. Then they can give the credit bureaus what information they have learned from the "skip trace" company to try to place the negative entry on your credit report.
Credit bureaus identify people mainly by social but there are lots of other factors like your address.
