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Collection agencies collect debts on behalf of others, and represent a wide variety of creditors. These are called Third Party Collections. 

You many see these on your report collecting for Medical Bills, Evictions, Utilities, Cell Phone Companies, Cash Advances etc.  

Foreclosure is a legal process in which a lender attempts to recover the balance of a loan from a borrower who has stopped making payments to the lender by forcing the sale of the asset used as the collateral for the loan. 

These impact your score very heavy and harshly. 

 Bankruptcy is a legal process through which people or other entities who cannot repay debts to creditors may seek relief from some or all of their debts. 

A bankruptcy can hinder you from getting almost any type of new credit or financing. 

 Medical Bills are any costs incurred from prevention or treatment of an injury or disease. This also includes trips to the Emergency Room or imaging (X-ray)

For those who do not have medical or dental insurance, they will typically see these bills listed in Collections on their credit reports. 

 Evictions are the removal of a tenant from rental property for non-payment. It may also involve the removal from a property that was foreclosed 

Evictions are be tricky, they can be listed in Collections, Charge Off's or even in Closed Accounts. *Listed as Bad Debt*

 Credit Card Debt accumulates and increases with interest and penalties when the customer does not pay the credit card company for the money he or she has spent.

55% of Americans suffer from credit card debt. 

When an account displays a status of "charge off," it means the account is closed to future use, although the debt is still owed. The credit grantor may continue to report the past due amount and the balance owed. If you pay the account, the status will reflect as a "paid charge-off."

A Repossession or "Repo" is when the lender comes to take back the car. You'll still owe the balance due on your loan even after the vehicle is repossessed. 

Your auto lender will usually still continue to collect on the auto loan by calling you, sending letters, or using a third-party debt collector. 

 In the world of credit reporting, public records can include bankruptcy, judgments, liens, lawsuits, evictions and foreclosures. Anything that companies may consider a legal liability is a matter of public record. It will usually show up on your credit report. 

Some public data cannot be seen on consumer reports but lenders can access it through data mining companies. This will hinder your loan approval odds, even when you have good credit. 

 When a case is settled out of court, you pay a settlement to the client. When a judge or jury makes a decision on the case, you may have to pay a judgment. 

These items my be listed on your credit report or your public data. 

 Student loan debt is a form of debt that is owed by an attending, withdrawn, or graduated student to a financial or lending institution. The lent amount, often referred to as a student loan or the debt is be owed to the school or lender.

 Child support arrears represent the amount of child support that was due to the custodial family, but remains unpaid. It is owed either to the custodial family or to the state. 

Child Support can hinder loan approval, rent approval or even drivers license. This debt can impact your score and credibility very negatively.