Rebuilding Your Credit

[Schoolbuskid]

T-mobile is sold an account to CA #1 reporting collection with $350 balance.

T-mobile sold an account to CA #2 reporting collection with $350 balance.

I havent DV'd either Collection Agency as of yet., wanted to get some advice on best way to approach.

Both past SOL.

Advice?

[guiness56]

Are you sure CA #1 didn't sell the debt to CA #2 or assign it for collection?

If it is out of SOL I would send both of them DV letters.

[Schoolbuskid]

Well both are reporting balances, should one report zero balance, if one of them sold to the other?

Yea i was thinking of sending DV.

[guiness56]

It is out of SOL so I would send both of them a DV letter.  One of them should come off.

[Schoolbuskid]

Thanks Guiness!

[shorrttyycm1]

I have the same issue...many of my old collections are showing up by multiple collection agencies?  Since I included all, the OC plus the CAs, in my chpt 7 (due to discharge this month-medical issues no judgements please) should I DV them or just leave them as they are included in my filing?

THANKS!

[guiness56]

Are they showing IIB?  Do they show a zero balance.

[shorrttyycm1]

They are not showing either IIB or a zero balance?  I am confused, doesn't it have to be one way or the other?