Verification of Creditors Matrix - Oregon 2025

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Debt collectors can locate your workplace through various methods, including: Credit Reports: When you apply for credit, your employers information may be included in your credit report, which collectors can access. Public Records: Some states require employers to report wages, which can be publicly accessible.
Under the FDCPA, debt collectors are generally prohibited from disclosing information about a consumers debt to third parties, including their place of employment, unless the debtor has given them permission to do so or unless its necessary to collect the debt.
Many people share significant personal information online, making it easy for bill collector to identify their employers on platforms like LinkedIn and Facebook. Even if you diligently keep your social media pages private, collections agencies may glean employment information about you from other peoples postings.
There are services which can search for a persons employment, but generally speaking the information comes from credit reports or subpoenas issued by the creditor/creditors attorney.
A creditor matrix contains each creditors name and mailing address. This information is used for noticing and claims information. The debtor is required to provide a list of ALL creditors.
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Lenders May Ask for Income Information They typically ask about your income on credit applications and may require proof, in the form of a pay stub or tax return, before finalizing lending decisions.

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