AC Collections report to all three major credit bureaus: Equifax, Experian, and Trans Union.

The purpose and effectiveness of credit bureau reporting is that your bad debt is listed on the debtor's credit report for no less than seven years and prevents the debtor from receiving credit for major purchases such as homes and vehicles and often even prevents the debtor from utilizing any rental services until your bill is paid in full along with all interest due.

Another benefit to credit bureau reporting is that if the debtor owns property, they cannot sell or refinance without paying your debt first.

The bottom line is we use credit reporting as leverage to motivate the debtor to pay today.