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sportsmom15

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I have bills in collections one has a zero balance why is it still in the open collections account?
How do I go about getting this off my report? How long will the other other bill stay "open" in the collections?

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0 balance and 2nd collection reports

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Items that are in default for about 120+ days are usually charged off.  Once they are charged off AND sold to another collection agency for collection of the debt, they should also say 0 balance.  Meaning that even though the original creditor has charged and sold of the debt, the debt is STILL an obligation and you will likely be contacted by collection companies from this point on to collect the entire balance. 

Unfortunately once an item is charged off you will never have an opportunity to bring it back to a current status.  And in addition to that set of news, charged off accounts will be on your credit and part of your score for up to 7 years after your last payment, or in some states, up to 7 years after your last payment arrangement; even if that payment or payment arrangement is with a collection company 6 ½ years after your last payment with the original creditor.

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