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Hello everyone, I am hoping you can help me. A couple of months ago I noticed a collections account that appeared on my credit report for $154. Last week I noticed another collections account for $154, but listed by a different collections agency. What should I do? I sent letters to both asking what this debt was and letting them know I didn't know anything about it- just heard back from the 2nd company today. They sent a letter with a copy of the utility company invoice I was delinquent on. I think I was delinquent because we had just moved and it fell through the cracks. I have no intention of paying this debt off twice. Help!
The CRAs dont want plural collections simultaneously reporting on the same debt, so have a policy instructing debt collector A to delete any reporting they may have made if they assign or sell to a new debt collector B and the debt remans unpaid.
Simply file a dispute with the CRA of the reporing of debt collector A on the basis that they no longer have active collection authority.
That will result in deletion of the collection reported by A.