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insolito
Posts: 2
Registered: ‎09-18-2012

Seeing double on Credit Report- newbie question

Hi All:

 

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

Midland Credit Management bought this debt . Last report date was 12/2011

 

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?

 

Thanks!

Moderator
Shogun
Posts: 12,883
Registered: ‎04-15-2011

Re: Seeing double on Credit Report- newbie question


insolito wrote:

Hi All:

 

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?

 

Thanks!


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.


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