Editing Debt collection (section)

===Credit record===
A credit record is a record of the credit history of a person or business entity, potentially including payment history, default and bankruptcy. Information about debts, late payments and default may be placed by a borrower's [[credit record]], and usually remain for several years. Reports to credit reporting agencies may not necessarily be properly authenticated or checked for accuracy.<ref>{{cite web|title=FTC Issues Follow-Up Study on Credit Report Accuracy|url=https://www.ftc.gov/news-events/press-releases/2015/01/ftc-issues-follow-study-credit-report-accuracy|website=Federal Trade Commission|access-date=19 January 2018|date=21 January 2015}} (Describing a 2012 study that found errors in 20% of consumer credit reports.)</ref><ref>[https://scholar.google.com/scholar_case?case=18245741322321359703&hl=en&as_sdt=6&as_vis=1&oi=scholarr ''Okocha v. Trans Union LLC''], 2011 U.S. Dist. LEXIS 39998 (E.D.N.Y. 31 March 2011)</ref>