Who actually sends info to the credit bureaus: creditors or collections agencies?

galactic129 asked: If an account went to a collections agency, who sends info to the credit bureaus: the collections agency or the original organization? Each has told me that the other does it.
If the account is payed in full not long after the account was forwarded to collections, do they still report it? They have [...]

What can you do if you filled out your personal info to a fraudulent email?

syk asked: My sis got an email, supposedly from her bank, asking for personal info. She filled it out, including her ssn. She later called the bank back and found out it was a fraud email. The bank then changed the account number. But now someone has her ssn. What [...]