literally...i have three questions regarding to credit.

1.Does collection company charge the interest on you?

2. is it possible that collection company doesn't know where you live??

(i have never gotten ANY sort of e-mail from collection company whatsoever, i found out that i got rejected due to the money that it claims that i owe)

3. Even if you don't provide your SSN, is it possible for them people to ruin your credit?