@Anonymous wrote:I have a collection that just hit my credit report. Thing is I already got a dunning from another collection agency (Hoyt, Hoyt and Landau) that I responded to last week. Now I see the same exact debt being reported from another collection agency (NCO Financial) on my EX report. NCO says they had the acct as of July 12 but I never recieved a dunning. Only dunning I recieved (08/03/2012), I responded to and it was from Hoyt in Miami, FL not NCO in PA.
You can have more than one CA on your CR. You can have one collections and an assigned collection. Also if the acct. was sold the first CA is not compelled to delete, just to post it as $0 balance.
With that being said, not receiving a dunning notice is a problem. You should contact them in that regards. There's some legal jargon that goes with it, I usually let RobertEG post on that.
July 2013 score: EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge
Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!
June 2017 update: All scores over 820, just pure gardening now.
DV both of them. See which one actually has it.
July 2013 score: EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge
Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!
June 2017 update: All scores over 820, just pure gardening now.
Do both of them show balances? If they do and one is not assigned, then you are correct. There is one too many on there.
Nice having Pre-paid legal isn't it? I've used the crap out of them!
July 2013 score: EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge
Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!
June 2017 update: All scores over 820, just pure gardening now.
I love my pre-paid legal 
Only one is reported to ex, but the letter from Hoyt had a balance and nco on my report has a balance.
@Anonymous wrote:I love my pre-paid legal
Only one is reported to ex, but the letter from Hoyt had a balance and nco on my report has a balance.
Yeah.. sounds like a double dip to me too. Send the DV to NCO and see what they send back.
July 2013 score: EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge
Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!
June 2017 update: All scores over 820, just pure gardening now.