As soon as we locate the patron, we send a final letter that informs the patron that we will credit report the account if it is not resolved. If the account remains unresolved two weeks after the final letter, we call the patron at home and explain that the account is scheduled to be credit reported if the patron does not contact the library to work out a solution. If the patron responds but does not resolve the account in full, we send another letter. Depending on how much the patron owes and whether we have spoken with the patron earlier in our process, we make at least one and sometimes as many as three or more calls at this stage. The very earliest we would credit report any account is 120 days after we receive it.
Patrons are credit reported only as a last resort.