CONSUMER FAQ

We gladly accept phone payments via credit card or check by phone. Please note there is a convenience fee of 3% to process a credit card, or a convenience fee of $3 to process a check by phone.

Of course, there is no fee to mail in your payment; we accept a personal check, cashier’s check, or a money order.

You may also bring your check, money order, or cash into our office. We do ask that if you’re paying with cash that you bring the exact amount of your payment.

We are happy to provide a mailed or faxed receipt of payment.

To request a mailed receipt, please submit your signed request in writing with a self-addressed stamped envelope. Mailed receipts for check payments will be sent 14 days after the check has been deposited, and mailed receipts for a credit or debit card payment will be sent 24 hours after it has been processed.

To request a faxed receipt, please submit your signed request with the following information in the body of the request: the fax number that you would like the receipt to be sent to, the name of the person receiving the receipt, (and their company, if applicable). For example, “Please fax my receipt to John Smith at ABC Bank at 217/555-5555.”

Due to federal privacy laws, we are only able to speak directly with the consumer, with the exception of a Power of Attorney, Spouse, Attorney, Co-Maker, or Parent of Minor.

Accounts remain on a credit report with all three credit bureaus for 7 years from the most recent date of service. We update the credit bureaus each month to report payments and changes to accounts accordingly. The only way to prevent an account from appearing on the credit report is payment in full before the scheduled credit reporting date, which is 30 days from the account being turned over to our office.

Annual Credit Report provides consumers with one free credit report from each credit bureau every 12 months. Some consumers find it helpful to monitor their credit report throughout the year by pulling one free report from a different bureau every four months.

We recommend visiting Annual Credit Report, or each bureau’s website directly: Equifax, TransUnion, and Experian.