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BrookeNeedsHelp

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Collection item shows twice on credit report (two different collection agencies)?
Hello!
In 2011, I had an item placed with a collection agency. Unfortunately, I was unable to pay at that time, and this debt was either sold my the original creditor or by the collection agency after two years. I am unsure of why/who transferred this debt. In 2014, another collection agency contacted me regarding this same debt from the same original creditor. The amount owed was the same as the ending balance owed from the first collection agency. However, this item is showing as OPEN in BOTH collection agencies, which shows that I have DOUBLE the amount of collection debt. Also, the new collection agency is reporting that the date of debt is in 2014 (when they first contacted me) and not in 2011 when the debt was initially taken to collections. What can I do to resolve both of these issues? Will the first collection agency completely remove this item or will they just show it as closed? I don't want this double hit on my credit any more.

Thank you!

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Top Contributor
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First get copies of your current reports as you may need that for evidence later. Then, dispute the older collection account. It should be removed with a dispute. Second, contact the current collection company and try to get a "Pay for Delete Agreement" if you can afford to pay it and if it will remain on your reports for a while. Old debts that are outside the "Statute of Limitations to be sued for" and are close to falling off your reports due to the seven year reporting time sometimes should just be left alone, so check your dates on all of that. Any further questions, please feel free to ask. Ask a new question though as this one will get lost among other questions.

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