My sons fraternity is threatening collection agencies and reporting to credit bureaus for unpaid dues. He has told them he can only afford $25-50 a month and has asked to be put inactive. Can the fraternity actually report these on your credit? Thank You

Here's what I found:

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Reporting to a Credit Bureau
Individuals can't report other people to the credit bureaus.

Companies must meet legal requirements to input and access credit bureau files.

Credit bureaus are regulated businesses who accept entries from their paying clients. Those clients must meet legal criteria to access and imput data to a consumers' credit file. There is no way that an individual would qualify, even if that person were willing to pay the fees.

As an individual, you can take someone else to court over a debt. If you win the case, you would be granted a judgment. This judgment, being a public record, would eventually show up on the defendants credit report. This type of public record is routinely included in credit reports.

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But, if they go to a collection agency, the collection agency CAN report it to the credit agencies.

Thank You for the response!

A great deal depends on how he made his financial commitment to the fraternity. If he joined and voluntarily paid dues, no contract, he can stop at any time. If however, he signed a financial pledge or contract he may be resonsible for that year only.

What is the company? Chapterspot.com does fraternity dues collections for my chapter.