Credit Advice

Have a question? Have advice to share? The combined knowledge and experience of everyone in the Credit Karma community can help you. Enter your question or help others below to get started!


Posted in Credit Report
Profile Image

Question By

0 Contributions
0 People Helped
2 collection agencies for the same debt
I have an old debt I would like to pay to get it off my credit report. It has been reported by 2 different collection agencies. Surely you don't have to pay both agencies, but how do you know which one is the right one to pay?

Your Credit Scores Should Be Free. And Now They Are.

View your scores and reports anytime.

All Responses

Results 1-3 of 3Results per page: 5 | 10 | 25Page 1 of 1   Previous | Next
Top Contributor
116 Contributions
1310 People Helped

my problem is similiar but different

Helpful to 1 out of 1 people

I owed a emergency room doctor bill. paid it in 2013 to a united collection bure. for 85.10. now have another agency 3 years later trying to collected same dept for 84.90 its name is dept recovery. it was paided bye master card. got what was paid but not what for on my statement. are dept collectors required to release information what money was received for when asked. And how can another company try to collect on a dept thats been paid 3 years after the fact?

Top Contributor
2192 Contributions
3929 People Helped

Start with a Validation Letter

Helpful to 1 out of 1 people

Google it for a template. 

Whats happened is that the account has been sold to another collection agency but the old one still appears on your report.  Send Validation letters to both, Legally only one has the right to collect. The one that isn't will automaticly be removed if they no longer can collect. And Chances are that the second may not have all the legal paperwork and they would have to remove the account as well.  You may just luck out and not have to pay either. 

If one of them does end up with legal right to collect, then deal with only that one. Thats when you can do an Offer and Compromise, Pay to remove or work out a payment plan. 

Good luck 

Top Contributor
7816 Contributions
1483 People Helped

Helpful to 2 out of 3 people

Before you do anything, do some reading on PAY FOR DELETE AGREEMENTS. You want to get the collection removed and not just marked as paid. It is not allowed to have two collection companies reporting the same debt. Usually it is the most recently dated collection company that currently holds the account. I would dispute them both with the credit bureaus since you are being double dinged in an illegal way. Do some reading on all of this before you proceed, if you have any questions just ask.

Results 1-3 of 3Results per page: 5 | 10 | 25Page 1 of 1   Previous | Next

Your Credit Scores Should Be Free. And Now They Are.

View your scores and reports anytime.


Reply to this Question

Write your response:
Enter Your Comments

The Credit Advice pages of the Site may contain messages submitted by users over whom Credit Karma has no control. Credit Karma cannot guarantee the accuracy, integrity or quality of any such messages. Some users may post messages that are misleading, untrue or offensive. You must bear all risk associated with your use of the Credit Advice pages and should not rely on messages in making (or refraining from making) any specific financial or other decisions.