warking09

Yes credit karma is right. you can have multiple negative reports from one derogatory or deliquent credit account. But the good thing is you can have the duplicates removed. I did. The original creditor has sold your charge off or collection account to another lenders or agency, so they technically do not have the right or vested interest to continue to report that negative account to the credit bureaus. I disputed a negative credit card acct because it had been reported by 3 different companies: the orig. creditor, and two collection agencies. I got the original creditor negative report & one of the other collection agencies removed so now it only reports the newest collection agency on my report who bought that c/o acct from the others. They should be the only one reporting the negative acct. Try it and see if that works for you. Sincerely, warking09 at anewbeginning....

Yes,I would also take it a step further & if I do not see a positive impact on my credit report after 30-45 days, I would write each of the credit bureaus and then call or write the creditor or bank in which I have the credit card with to ask them to report it to the bureaus as paid off, for a positive rating.

There is some truth to what Credit Karma has to say about credit repair companies but if you carefully choose the right one & research your options then you will probably be better off than actually doing it yourself unless you are a legal assistant who loves research & writing. It takes time, patience, lots of reading & research on consumer laws, writing, negotiating and credit monitoring to keep your credit in good shape. I know because after years of restoring my own credit & that of friends and family, I decided to start my own credit repair consulting company.