double reporting on my CR?....OC and Collection

[Anonymous]

ok this might be considered a basic question but I have TWO old zero balance accounts that are both listed as OC and COL on my CR

First Premier account listed as closed collection/chargeoff account that is also listed as a collection account with Arrow Financial.....but I paid arrow last year, so there is a zero balance

and

Providian Mastercard, also a collection/chargeoff that is also listed as a collection with Asset Acceptance LLC....paid last year with zero balance...

is this not reporting the accounts twice?  can CRA report OC and COL at the same time?

how should I dispute?

[Anonymous]

Based on what you have stated- this is reporting correctly.

I guess you wish you knew about PFD last year?

I say send GW letters to the OC's.

[Anonymous]

yup that's right, both the OC and the CA can report on the same debt.

[Anonymous]

**bleep**!

yeah last year i didnt know about PFD...

both are due to drop off credit reports 4/08 and 7/08.  not sure if i want to stir the hornets nests with the GW letter.

although, it might be worth the shot!  thanks again

[Anonymous]

if they are paid you're aren't going to stir up anything.  Go ahead and give it a shot.