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How Debt Collectors Obtain Your Personal Information

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.

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.

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.

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.

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.

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.

Return To Common Concerns

Need additional Information?

Contact Us

Do you have a complaint, a dispute, a fraud or bankruptcy? Knowing the difference will ensure your concern reaches the appropriate department and is addressed in a timely fashion. If you are unsure, refer to the Complaint, Dispute, Or Fraud Claim? section. Our company contact information is provided below for ALL inquiries.

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,

General Information Requests

Office Hours: 7:00am-5:00pm (PST)
Monday-Friday (closed most government holidays)

Postal Address

Convergent Outsourcing Inc.
800 SW 39th Street Suite #100
Renton, WA 98057

Stop Contacting Me!

Have you been contacted in error? To request us to cease our communication attempts to you call our dedicated phone number removal line (toll free) at 1-855-728-9701 and follow the guided prompts. It may take 24 to 72 hours to update our information and finalize your request. We appreciate your patience.