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The Boulder Public Library's intent is to provide fair and equal access of materials to all patrons. Keeping library items overdue denies other patrons access to public property. We utilize the services of a collection agency as a last resort to recover significantly overdue library materials and outstanding fees. When you obtain a library account it is your responsibility to provide the library with accurate contact information and to respond to overdue and billing notices that the library sends.
Failure to maintain current contact information, respond to library notices, and keep your account in good standing may result in your library account being sent to an independent collection agency. Once library items checked out to your account become five weeks overdue, your account is sent to the collection agency and a non-negotiable fee of $15.00 is charged to you in addition to replacement costs and any other fees due. The collection agency makes several attempts over a 17 week period to contact you before your account is reported to the credit bureau and the information is recorded on your credit report.
Only returning the overdue materials or making partial payment on your library account will not prevent your account from being credit reported. You must pay the replacement charges or return the overdue items and pay all fees on your account within the 17 week period or your account will be turned over to the credit bureau. Once your library account is paid in full, the library notifies the collection agency that your account has been cleared. Your library account will also be blocked from checking out any new materials until the account is paid in full.
If your account is credit reported, it generally takes 6-8 weeks for the paid in full status to be reflected on your credit report. If you are pending loan approval, you can request that the collection agency fax verification to you that the debt has been cleared so that credit approval can be granted by the lender. Once your account is credit reported this information stays on your credit report for a maximum of seven years from the date your account was sent to the collection agency.