Hi everyone! It's been a hot minute since I last posted in the FICO forums and I'm looking for some help! I am currently working on getting some collections off my credit report and getting my score back up. On all 3 reports, I have debts with USCB, Ability Recovery Services and JH Portfolio Debt Equities. However, on my TU and only my TU report it shows another debt with Ability Recovery. I called Ability Recovery and they only show 1 account and its not the second one on the TU report. They suggest maybe it was sent to another agency and suggested calling the school that the debt originated from, so, i do that, the school has only record of the one with USCB (which I took care of already) and not with Ability Recovery and the school suggested that i contact USCB and see if they have the one ability suggests is with another agency (the school says they only use ability and USCB) so.... i contacted USCB and they confirmed they only have the one that i already settled with them and suggested that its a credit reporting error on ability's end and to contact ability recovery again...
So, if you followed along this far... what do you suggest? Do i call back ability and urge them to dig deeper? Do i dispute it? I really would just like to get all of it taken care of so i can focus on other rebuilding activities....
2019 Goals: Garden and Clean up Credit Reports!!!
2020 Goals: Get a Secured Card and Auto Loan.