Credit Advice

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....

Thank you for this information. I will try it out.
Will I need to go to the major three credit bureaus to dispute?

How can I raise my score

Yes, you can get multiple "dings" from one derogatory credit account. In a similar fashion, you probably have 30 day, 60 day, and 90 day delinquencies from that same charged off account. All of these things will lower your credit score. With that said, the effects aren't completely additive. Credit score models usually take this into account. It may not seem fair but these are the realities of defaulting on a loan.