Duplicate account on CR

[Anonymous]

Again sorry to post all these messages. I have a Total card and it used to report as Plains Commerce bank. Now my Total card reports as Mid America bank. The plains commerce is still showing on my credit report as 30 days late in FEB 09 60 days late in MAR 09 and 90 days late in April 09. Now considering that Mid America is reporting the exact same thing, is it double affecting my score?? I requested to have this deleted and they agreed. What will this do to my score?

[Anonymous]

Anybody?

[RobertEG]

As I understand your post, you have an original creditor (Total/Plains Commerce) reporting delinquencies on their account that reached 90 days in April 2009?

Is Mid-America a third party collection agency, now reporting on the unpaid collection  of the debt?

Who agreed to delete what?

What did they agree to delete?

Sorry for hammering you with so many questions, but background facts are the seed of advice.

What this is leading to is that if one is an OC, and the other a CA, then it is perfectly proper for each to report on derogs, even if related to the same source of debt.

That is not double reporting.  It is separate reporting of failure to pay separte claims for payment.

[Anonymous]

Robert,

Thanks again for you response. Total card is a credit card that was reported on my report as (plains commerce) originally. It is an open card that was never in collections. Mid America is the bank now that apparently took over total card. So I am showing two credit accounts one with plains commerce, and one with mid america and they are both for my Total Card. The only thing is the older one which started first (plains commerce) does not report anymore, as a matter of fact it still shows a balance of $79.00. So I have two of the same open accounts showing up to 90 days deliquent in april of 09. I called plains commerce and they said it was transferred to mid america. They agreed to delete it off my credit report.  I got the letter in the mail saturday and just waiting for it to drop off.

[RobertEG]

Josh, this is the only place in the credit universe I would ever come to for unbiased credit advise.

You will get opinions on both sides of any issue here. They let any dawg into the arena!

I often disagree with other posters, and they often disagree with me.

But this site lets it happen.

Excchange of facts, and not just opinions, leads us to understanding.

You have done a fantastice job of mucking throught the BS and gaiining resolution of your issue!

... Congrats!