How do collections work?

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I am a returning player to the game, having stopped playing after The Dark Below. I'm interested to know how the collections ingame work.

I have a number of items which exist in both my vault and also in my collections. I'm unsure of the mechanics.

Do I need to specifically add shaders, ships and emblems to collections? If not how do I add them? Are they added automatically? Or do I need equip them? What things can be collected?

Once an item exists in a collection is it safe to delete it?






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What happens when they put you on collections?

Once received, the collection agency reports that your account has gone to collections to the three major credit bureaus, leading to a negative mark on your account and a drop in your credit score. You will then be contacted by phone and in writing regarding the details of the charge-off.

Is it worth it to pay off collections?

It's always a good idea to pay collection debts you legitimately owe. Paying or settling collections will end the harassing phone calls and collection letters, and it will prevent the debt collector from suing you.

How do collections go away?

A collection account will be automatically removed from your credit report seven years after the original account went delinquent. The original delinquency date is when your account first became 30 days past due, kicking off the series of missed payments that ended with your account going to collections.

Does collections hurt your credit?

Unfortunately, a debt in collections is one of the most serious negative items that can appear on credit reports because it means the original creditor has written off the debt completely. So when a debt is sent to collections, it can have a severe impact on your credit scores.



How Do Collection Agencies Work




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