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Help understanding report

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Greene718
Contributor

Help understanding report

 Im having trouble understanding this, it seems like its the same company listed twice but the acct #s are different, i put stars because i didnt want my info on here....Just if someone can explain this, is it possible to have the 2nd one deleted. Its the same exact company. Also it shows a balance of $5498, but it also states balance due is $7201, is there interest coming from the collection agency?

 

-SSTCIGPFCORP More about this account|Dispute------- Account No.: ******* Add Experian report  Add Equifax report - Condition: Derogatory    - Balance: $5498     -Type: Credit Card    - Pay Status: Collection/Chargeoff    

- SST/COLUMBUS More about this account|Dispute------- Account No.: ********** Add Experian report  Add Equifax report - Condition: Derogatory    - Balance: $0     -Type: Credit Card    - Pay Status: Collection/Chargeoff    

Starting Score: EX 552 TU 652
Current Score: EQ 627 TU 715
Goal Score: EQ 670 TU 750


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Message 1 of 4
3 REPLIES 3
Anonymous
Not applicable

Re: Help understanding report

I am confused as well.  I have the exact same info on my report.  I believe they are one in the same and NCO collects for them.

Message 2 of 4
Anonymous
Not applicable

Re: Help understanding report


@Greene718 wrote:

 Im having trouble understanding this, it seems like its the same company listed twice but the acct #s are different, i put stars because i didnt want my info on here....Just if someone can explain this, is it possible to have the 2nd one deleted. Its the same exact company. Also it shows a balance of $5498, but it also states balance due is $7201, is there interest coming from the collection agency?

 

-SSTCIGPFCORP More about this account|Dispute------- Account No.: ******* Add Experian report  Add Equifax report - Condition: Derogatory    - Balance: $5498     -Type: Credit Card    - Pay Status: Collection/Chargeoff    

- SST/COLUMBUS More about this account|Dispute------- Account No.: ********** Add Experian report  Add Equifax report - Condition: Derogatory    - Balance: $0     -Type: Credit Card    - Pay Status: Collection/Chargeoff    


 

The bottom one is from the OC who COd the account and sold it.  Hence, the 0 balance.

 

The top one is the CA who now owns the debt and is collecting.  Full balance.

 

Message 3 of 4
Anonymous
Not applicable

Re: Help understanding report

On my report....they both have the same open date.

Message 4 of 4
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