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November 17, 2005

Duplicate collection records on credit report

Q: I was wanting to know how you can dispute a collection that is being reported by 5 different collection agencies on the same item? Each shows that I have an unpaid balance.

A: That should be fairly simple. Duplicate collection records should show the same balance and identical original creditor, just point this to all credit agencies reporting it.

If this is not enough, you need to furnish some proof, that there is only one collection agency you deal with, like letters from this collection agency, its phone numbers that show them calling you. For the phone records, ask for a detailed bill from your phone provider.

Finally, you may have some letters from the previous collection agencies showing that the collection was sold, if it ever was.

Posted in Credit Repair at November 17, 2005 04:45 PM

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