Re: Seeing double on Credit Report- newbie question
I have been lurking here for a while but now that I am getting serious about improving my credit it is finally time to post.
I got my free credit report from Experian today and noticed this.
HSBC Bank- transferred, closed with $741 written off. Last report date was 05/2009
This is the OC.
Midland Credit Management bought this debt . Last report date was 12/2011
This is the CA that now has the account.
Since this is the same account... is it correct that this debt appears twice on my credit report?
And who do I set up payment with?
Yes, this is probably the same account and yes they can both report on there. You can contact the OC but more than likely the account wasn't assigned, it was probably sold. But nonetheless you can try to deal with them. Chances are you will have to deal with Midland now.
Starting Score: 504 July 2013 score: EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013 Goal Score: All Scores 760+, Newest goal 800+ Take the myFICO Fitness Challenge Current scores after adding $81K in CLs and 2 new cars since July 2013 EQ:809 TU 777 EX 790 Now it's just garden time!
June 2017 update: All scores over 820, just pure gardening now.