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There is both a judgement and collection on my credit report for the same account. Both are listing as closed/paid but I thought they could only list the item once. Can I dispute this as a duplicate item or are they allowed to put a debt on there twice? I need to know before I dispute bc I can't get a home loan from FHA with an unresolved dispute on my credit.
No, they are separate items.
One is a collection from a collection agency, the other is a Public Record due to a judgment.
Both are valid entries.
@guiness56 wrote:No, they are separate items.
One is a collection from a collection agency, the other is a Public Record due to a judgment.
Both are valid entries.
+1
They can both be posted to your CR as they are different items. Also, the OC could be listed so there could be a total of 3 listings for the same TL.
Thank you. That seems so unfair but I guess that's what you get.