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Jdog121673

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2 collectors for same debt but showing different amount owed
I have 2 accounts on my report showing same debt but different amounts. One is from the original​ creditor for past due amount $841 and to come off 3/2019. And the other is from the collection agency (NCA) showing past due amount of $967. But will be removed on 12/2018. Why is there 2 different amounts with 2 different fall off dates? Is this even legal? And what can I do about them?

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It is normal to have two bad marks for one negative account. You will see the original account in negative status and a collection account in addition to the original. The different amount is probably due to the debt collector charging interest. The fall off dates should be the same, they cannot be different. Before bringing attention to this, try to figure out which fall off date is correct. If the earlier date is the correct one, then great, start addressing the issue. If the latter date is the correct date, I wouldn't bring attention to it as it could cause the collection fall off date to be moved up. As far as the debt collector charging interest or fees, check your state laws to see if they are allowed to do this. Technically, the original account should have a zero balance since you no longer owe them money as they sold the debt to the debt collector, so that may be something to address as well. The seven years starts from the DOFD (date of first delinquency), this is typically one month after you made the last payment on the original account. Any more questions, please feel free to ask, but it is usually best to start a new question as this one may be buried in a couple of days among other posts.

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Also do some reading on "early exclusion" as you might get those negative accounts removed 3-6 months early, depending on the credit bureau. Also do some reading on the FDCPA (fair debt collection practices act) since you are dealing with a debt collector.

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