Credit bureaus are not required to add new accounts to your file, but many will do so for a small fee. There are several reasons for the success of this type of advertising, such as 1. Relation to the content The visitor is reading a particular page of a web site because it is of some interest. If you have received a collection call at work and the collection agent not only identified himself as such to your secretary, but also revealed just how much you owe, he has crossed the line.