Experian uses something called “Collection Triggers” What this does is monitor your credit activity. Let’s say you were unemployed, and you started working again, and making payments, Experian could send this information on a daily basis to the collection agencies that sign up for their “Debt Collection Tools” Product.
These collection triggers monitor Charge-Off accounts, early delinquencies, and uncollectable post judgment accounts. Any activity on any of these triggers the collection agencies and they come after you. This is something I want you to be aware of. The Credit Reporting Agencies are not on your side.
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Akridge, Mandy (2009) Negotiate & Settle Your Debts, CA
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