Collection accounts often change hands every six months or so. Debts are assigned and sold to other collectors, so thereâs a strong possibility the collection agency listed on your credit report isnât the agency that's currently collecting on the debt.
Alice decides to message Bob. Alice's phone establishes a connection to the WhatsApp server and it is established that this connection is definitely from Alice's phone. Alice now sends via TCP the following message: For Bob: A giant monster is attacking the Golden Gate Bridge.
The protocol that this layer uses is TCP (Transmission Control Protocol) and UDP (User Datagram Protocol). TCP gives a reliable, end-to-end, connection-oriented data transfer, while UDP provides unreliable, connectionless data transfer between two computers.