My aging mother and I were going over her credit report tonight after she was denied a loan. To my utter shock, she is showing 39 accounts in collections!!!!! This is very atypical, and as we looked at the report, we noticed that every single one was from the same creditor, a health care company who assists her with her oxygen. She has missed some payments to them, and every time she doesn't pay one single payment, she gets a new account in collections! Some of the accounts were opened and reported on the same day, for the same amount. There are FOUR accounts listed for $198 that all opened on the same day in February. Why is this not just ONE collection?? The original creditor is the same. They just broke it up into 39 small collection accounts that have trashed her credit, and like I said, some of them seem to be repeats of the exact same collection. I have to fix this, but how do I dispute a debt she actually owes? HELP!!!!!!!!!!!
David
@djpete wrote:My aging mother and I were going over her credit report tonight after she was denied a loan. To my utter shock, she is showing 39 accounts in collections!!!!! This is very atypical, and as we looked at the report, we noticed that every single one was from the same creditor, a health care company who assists her with her oxygen. She has missed some payments to them, and every time she doesn't pay one single payment, she gets a new account in collections! Some of the accounts were opened and reported on the same day, for the same amount. There are FOUR accounts listed for $198 that all opened on the same day in February. Why is this not just ONE collection?? The original creditor is the same. They just broke it up into 39 small collection accounts that have trashed her credit, and like I said, some of them seem to be repeats of the exact same collection. I have to fix this, but how do I dispute a debt she actually owes? HELP!!!!!!!!!!!
David
OP, these are good questions that can maybe help start the process of getting these addressed.
Thank you all for your replies. My mother passed away on June 30th. I am thankful for yall trying to help.