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Kaycee26

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Total amount owed is doubled..
I have one account in collections with a certain amount owed to the company (800), it's the only thing I owe on, but when looking at total amount owed, the amount owed is exactly doubled. Is that bc 2 agencies got a hold of the delinquent account? Do I actually owe 1600 or just the 800 I originally failed to pay to begin with?

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Are you talking about on this website? It shows info from two different credit report agencies, so everything is duplicatated. If something shows up on one but not the other, that would indicate there might be an issue/discrepency on your report.

But this sounds like it is working fine. Both have your $800 debt listed, and that is all you owe.

Top Contributor
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account in collection

if your account is a credit card, that credit company will be listed with what is owed and might show a charge off. That is if it went into collection, you will also have a collection agency listing the same accont with the same balance. Ignore the original lenders account though this looks as a double hit on your credit report.

Now if two collections agencies are showing the same debt on you the same credit report (lets say Transunion). Then you what to send a letter of vaidation to both collection agencies. Because collection agencies do buy debts from other agency and will list the debts again.

Now you can dispute any error on your credit report. But a collection company can not charge you more than the original amount owed. And that is a dispute that is worth disputing. Remember there are three credit bureaus and you want to check all three for errors. It does help to get a credit counselor to help if you can find one for free. I had one that helped me several years back take care of some debts owed.

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