Three Collections Agencies Reporting One Debt!

Anonymous · ‎06-28-2008

I just wanted to know what to do if three different collection agencies are all reporting one debt (Bank of America chargeoff). I guess one bought the debt, then another one and now a third one. Anyways it has left me with four things on my credit. I tried to dispute but no luck. What do I do now? I tried to search through the boards but could not find what to do.

Anonymous · ‎06-28-2008

You can either...send ALL Full Media Validation letters (DV letters)...and see who validates...dispute ALL...and see who comes back verified...

Anonymous · ‎06-29-2008

bluebull wrote:

I just wanted to know what to do if three different collection agencies are all reporting one debt (Bank of America chargeoff). I guess one bought the debt, then another one and now a third one. Anyways it has left me with four things on my credit. I tried to dispute but no luck. What do I do now? I tried to search through the boards but could not find what to do.

Are you saying you disputed all 3 CRA and they were all verified?

Look at reporting dates. You can sometimes track it and see who the last was to have the account.

Is it past SOL? If so, I'd DV them.