I'm not a lawyer, just have done some digging on my own.  A Factoring Agency buys debts that are in good standing to create a positive cash flow for the original creditor. In my case they bought a 5 year old CO and re-aged it and put themselves as the CO.  When I contacted them on it, they said they can list as the OC and the DOFD of the original creditor was not their responsibility since they were now the owner of the debt.  

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Starting Score: 504

Current Score: EQ FICO 819, TU08 778, EX "Who Knows?" Quizzle 756
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