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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?
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Helpful to 8 out of 8 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.

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Helpful to 11 out of 11 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....

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Helpful to 1 out of 2 people

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

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

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

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Helpful to 0 out of 3 people

How can I raise my score

Paying all bills on time is the first step.

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