How To Find Out If You Have Anything In Collections

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Finding out if you have an account in collections is simple:

  • Get your 3-bureau credit report (we recommend IdentityIQ)
  • Open your credit report and scroll to the 'summary' section
  • Count how many accounts are in the 'Derogatory' and 'Collections' categories
  • (Remember that 1 account will report as 3 separate accounts across TransUnion, Equifax, and Experian)
  • Add these two categories together to know what you're up against.

While Derogatory accounts are not necessarily in collections (such as a 180 day late or charge-off), they affect your credit score exactly the same, damaging your score for 7 years.

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