Blank dates, a media flag that fails a sample, mixed products, a missing seller name, and a cut-off nobody can point to.

A creditor can work the account, hire an agency, or sell it. The sale is the path that transfers title.

The spread is collections and resolutions above the price and the cost of working the file. It is not a published yield.

An operating company that takes title to charged-off receivables and then collects or hires a collector.