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Frequent Contributor
Posts: 437
Registered: ‎01-16-2009
0

Collection accounts keep coming back

There are some collection accounts that were on my report and I disputed them and they were removed and now they are back again!  This has happened twice.  What should I do?  It's so annoying.  My credit score dropped a lot!!!!  Smiley Sad
11/30/14 EQ 545 TU 573 EX 602 01/15 EQ 545 TU 586 EX 589
02/15 EQ 643 TU 627 EX 669 03/05 EQ 652 TU 690 EX 707
05/15 EQ 708 TU 744 EX 650
Goal: 700s across the board Smiley Happy
Moderator Emerita
Posts: 3,090
Registered: ‎08-09-2008
0

Re: Collection accounts keep coming back

Is the debt yours? Is the debt outstanding? Have you DV'd the CA?

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Friendly, Supportive & Respectful


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Frequent Contributor
Posts: 437
Registered: ‎01-16-2009
0

Re: Collection accounts keep coming back

No the debt is not mine.  I haven't DVd.  I thought it would be productive to just dispute with credit agencies. 
11/30/14 EQ 545 TU 573 EX 602 01/15 EQ 545 TU 586 EX 589
02/15 EQ 643 TU 627 EX 669 03/05 EQ 652 TU 690 EX 707
05/15 EQ 708 TU 744 EX 650
Goal: 700s across the board Smiley Happy
Moderator Emerita
Posts: 3,090
Registered: ‎08-09-2008
0

Re: Collection accounts keep coming back

Elizabeth, if these collection accounts are not yours, then you need to read the following from the FTC:

 

Fight Back Against Identity Theft

 

You'll need an Identity Theft Report (a police report specifically for this type of crime). Once you've obtained that, you can take the next steps to contact the creditors and the credit bureaus (fraud alerts & freezes).

-------------------------------------------


Friendly, Supportive & Respectful


Understanding Your FICO Score  |  Credit Scoring 101  |  Common Abbreviations  |  FTC: FCRA Links  |  FTC: FDCPA Links  |  Opt-Out  |  State Resources


"However gradual may be the growth of confidence, that of credit requires still more time to arrive at maturity” ~ Benjamin Disraeli

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