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

743 Contributions
1794 People Helped
Can a collections account be listed twice on my credit report?
One is a charge off from the original creditor and the other is the current collection agency?

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

View your scores and reports anytime.

All Responses

Results 1-7 of 7Results per page: 5 | 10 | 25Page 1 of 1   Previous | Next
1 Contribution
2 People Helped

Helpful to 2 out of 2 people

I have the same collections account listed on my reports, but on one the account reads as closed, but the other reads as open. They were involved in a bankruptcy, but show up. 

9 Contributions
183 People Helped

Helpful to 14 out of 16 people

Was just told by the Federal Trade Commission that it is illegal to multiple post dings for the same thing on your credit report.  The FTC is the controling agency for the Fair Credit Reporting Act.  I called one creditor who had done this and threatened them and it was removed by the next reporting date.  The only bureau you have problems with is TransUnion who incidentally owns Karma.

3 Contributions
17 People Helped
Most Helpful Response

Helpful to 16 out of 16 people

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....

Reply by

2 Contributions
9 People Helped
Helpful to 9 out of 10 people

How did you go about disputing it. Did u dispute it with the credit agency or the actual creditor and collection agency?

1 Contribution
0 People Helped

Debt Listed Twice On Credit Report.

I have two of the same collections from the same company listed twice on my credit report. One year apart. I filed a dispute to get one removed because it doesn't make sense to have 2 derogatory marks when its one debt.

2 Contributions
0 People Helped


I have two accounts duplicated from two different collection agencies showing up do I need to just call transunion?

2 Contributions
0 People Helped

Helpful to 0 out of 1 people

Thank you for this information. I will try it out.

Will I need to go to the major three credit bureaus to dispute?

1 Contribution
0 People Helped

Helpful to 0 out of 10 people

How can I raise my score

Paying all bills on time is the first step.

Review by
CK Moderator

Results 1-7 of 7Results 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.