A reference number is a unique number that most collection companies and collect law firms use to identify your account. The reference number is in addition and separate from the original creditor’s account number. The reference number can also be called “file number” or referred to as the “collection company’s account number”. The reference number is an internal number only associated with the collection company or law firm, not the original creditor. It can be a long or short series of numbers, or a combination of numbers and letters. When using UGotiate, you will be guided through entering in a reference number for each of your creditors. Not using UGotiate to resolve your debts yet? Learn about getting out debt for good with UGotiate, click here!
While most collection companies and law firms use reference numbers, it is not a requirement. So, if you receive a collection letter without a reference number, the collection company or law firm will most use the original creditor’s account number to identify your account.
You should be able to easily identify the reference number on your collection letter. A few examples are shown below. Remember, not all collection agencies use a reference numbers so if you don’t see one, no need to worry.
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EXAMPLES OF REFERENCE NUMBERS ON COLLECTION LETTERS: