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thlock

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how can three places with the same bill put bad marks on my credit at the same time?
at&t has the same bill on my credit report in three different places with three different collection agencies. I dont understand hows thats fair and the bill was actually caused by my ex-wife

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It's called debt purchasing and it's quite a large industry.  Your original creditor gives up collecting the debt, so they sell it to a collection company,  They sell it to another, etc. etc.  All have the right to report the collection account, but only the one holding the "hot potato" is allowed to report it as an OPEN account.  All others should report as CLOSED.  If you know the date you went delinquent on that account with the original creditor, then add 7 years and you have the date that it will fall off your credit report if left unpaid.  If you do pay it, it will report as a paid collection account for 7 years from when you pay them (unless you negotiate a "pay per delete" with collector).  If any of the accounts are reporting incorrectly or are outdated, dispute it online with all three credit bureaus, just go to their websites and they have a section for disputes.  You may have to do this a few times to get it corrected, but keep at it.  Best of luck.

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