I don't post often but when I do I like to take the opportunity to thank everyone here for their great and helpful information. This year has been good to me (and I have been good to myself). I began the year with credit scores in the mid-low 400s and with about 16k in unsecured debt (along with two judgements). I am now closing in on 620s and have "paid as agreed" the two judgements along with some of my other debt and am only about $2200 in the hole. I still have work to do but this site has been both a great help and an inspiration. Thank you all.
Now to the matter at hand:
So I have about 10 items reporting on my credit report that range between $30 and $600. They are all old collections (medical bills and utility bills mostly) and I am picking them off one by one. I see two items from two different CAs that look very similar. The original creditor is Sprint in both cases and I do remember having one account from them and about a hundred bucks sounds like what I skipped out on. Here are the two entries:
Creditor Name:
Account No.: **** Original Creditor: SPRINT 5 Responsibility: Individual Condition: Derogatory Original Balance: $94 Balance: $94 Date Opened: 03/23/2004 Date Reported: 04/30/2004
Creditor Name:
Account No.: **** **** ****
Original Creditor: 10 SPRINT SPRINT SPRINT
Responsibility: Individual Individual Individual
Condition: Derogatory Derogatory Derogatory
Original Balance: $95 $95 $95
Balance: $95 $95 $95
Date Opened: 11/15/2007 11/2007 11/2007
Date Reported: 12/19/2007 12/19/2007 12/2007
I hope I have edited out enough telling information, if I have not mods feel free to help me out.
Is it possible that the first CA sold the account in 2007 to the second? If so how do I proceed? Should the first still be there? I intend to pay it (PFD) but how do I figure out who actually owns the debt? If it is the second one listed and I PFD how do I get the first listing removed?
Any advice here would be appreciated.
Thanks!
