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cowens02

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Confused--same collection shows as two separate (one on one agency and another on the other)
i was just looking at my collections history here on credit karma. i see that the same collection is listed for transunion under one collection agency name as well as on equifax under a different collection agency name (same agency, just different spellings--one has SVCs at the end and the other doesn't). does this mean that the collection is being treated as two separate collections and therefore bringing my score down? sorry if this doesnt make sense, i am so confused i couldnt really explain it well!

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Happens all the time

It has to do with "Data Entry" and how the person entering the info on your report decided to list the acount. 

Credit Bureaus do not see what the others have listed, so your scores with them are based souly on whats in their file.

It could very well be counted against you in the CK model. I'm not sure how that is handled here.

Best bet is to get that collection taken care of so that it comes off all of your reports.

Good Luck

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