Engage partners with a company called Bloom Credit to do a soft credit inquiry (soft inquiries do not affect your credit score in any way) with your permission and finds debts that have been reported to credit bureaus as "In Collections." This shows up on your credit report as a derogatory mark that can reduce your credit score if not paid.
Engage currently retrieves debts from TransUnion, which is one of the three credit bureaus (TransUnion, Experian, and Equifax). If we found no debts in collections from your credit report, it does not mean you do not have any debts in collections. One of your creditors may have reported to a different bureau and not to TransUnion. Also, some creditors do not report to credit bureaus but may still contact you about your debts or attempt to sue you.