Rebuilding Your Credit

[rpr]

I finally decided today to pull my credit reports.  I was somewhat pleasantly surprised by the first, but when the second was almost 100 points lower I was shocked.

The second is so messed up I am not sure where to begin, but i figure the easiest might be to address the same debt to sprint pcs that is being reported by two different collection agencies.  One was reported in 2004, and then a separate agency reported april of this year.  The amounts are the exact same $113.  It is possible that I owed sprint $113 sometime in 2003, but it certainly shouldn't be reported twice. 

Where to begin fixing this?  Dispute with Equifax online? Request validation from the CA's? Both?

Thanks in advance.

[stef37]

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rpr wrote:

I finally decided today to pull my credit reports.  I was somewhat pleasantly surprised by the first, but when the second was almost 100 points lower I was shocked.

The second is so messed up I am not sure where to begin, but i figure the easiest might be to address the same debt to sprint pcs that is being reported by two different collection agencies.  One was reported in 2004, and then a separate agency reported april of this year.  The amounts are the exact same $113.  It is possible that I owed sprint $113 sometime in 2003, but it certainly shouldn't be reported twice. 

Where to begin fixing this?  Dispute with Equifax online? Request validation from the CA's? Both?

Thanks in advance.

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Only one CA is allowed to report. I would DV them both to find out who you actually owe. I would not dispute with EQ yet. Wait for the results (or lack of) from the DV's