1. The Creditor
Our company is not a debt buyer; we are hired to collect debt that you may have incurred with the original creditor. With that being said, the majority of the information we may have on file for you stems from the information you may have provided to the original creditor when signing up for their services.
2. Soft Credit Inquiry
Soft credit inquiries are all credit inquiries where your credit is NOT being reviewed by a prospective lender. These types of inquiries DO NOT negatively impact your credit score.
3. Data Brokers
Whenever you sign up for something, fill out a survey, or enter personal information online, there is a possibility that this information is being collected by a data aggregator. These agencies gather purchase history and demographic information from consumers in order to sell it to the interested parties.
4. Government Agencies
Occasionally some collection agencies may be able to gain access to information you have provided to government organizations; this can be performed in order to collect and verify your current contact information.
5. Public Records
Information contained within public records are pieces of information deemed non-confidential and are required by law to be made and kept. These records are open and accessible to the general public. These records at times may contain some information you may consider private. Some examples of public records are as follows: births, marriages, deaths, court dockets, ownership records and criminal records.
6. Skip Tracers
Skip tracing is a job that involves locating individuals whom have defaulted on a debt or are missing. In the realm of debt collection, it generally refers to the process of locating a debtor whose information is no longer accurate. Methods vary from company to company in relevance to their skip tracing policies and procedures for locating consumers.
ACA International is the largest membership organization in the accounts receivable management industry.
If you have questions or need to make a change to your account
In business since 1950, Convergent is one of America’s leading collections agencies. As an accredited agency, all of our representatives are thoroughly trained on customer service and Fair Debt Collection Practices Act compliance. We believe in customer service and want to make it easy as possible for people to pay the debts they owe.
800 SW 39th Street, Suite 100
Renton, WA 98057
7 am to 5 pm Pacific Time
Monday to Friday
New York City Residents: Please be advised that language access services, including the translation of information into a language other than English, may be available. A translation and description of commonly-used debt collection terms is available in multiple languages on the New York City Department of Consumer and Worker Protection’s website, www.nyc.gov/dca
Maryland Residents: This agency is licensed as NMLS ID # 930053. For more information or to verify license status, visit the NMLS Consumer Access website at https://www.nmlsconsumeraccess.org/.