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Multiple Postings on Credit Report

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KellBell
Guest
Subject: Multiple Postings on Credit Report
 
 Posted on Thu May 22, 2008 2:36 pm  
Hello, I have a question. I am just now cleaning up my credit and saw my report for the first time. There are two listings from Bank of America, with two different account numbers. Then there is a third one from a creditor which says that the original debt came from Bank of America. I have only had one B of A card ever, and it seems to me that the amount from the creditor is the amount of the first two B of A accounts combined. Do I send a validation letter to all three? And can a creditor be on my report when the original debt is there as well? Sorry for all the questions, I am very new to this. Thanks!
 
CMBV22

CMBV22

Joined: 08 May 2008
CMBV22's page
Posts: 378



4034 Magic Points
 
 Posted on Thu May 22, 2008 8:59 pm  
Yes, send a DV letter to all 3 CA who are listing on your CR. Yes, you can have multiple OC and CAs on your CR for the same debt. I found during my credit repait that when you send the DV letters to all of the CAs that listed on your CR. The ones that no longer own the debt just have their mark erased. I guess it's easier for them to remove it then to try and validate it.
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scott

scott

Joined: 28 Jun 2006
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Posts: 180



4868 Magic Points
 
 Posted on Fri May 23, 2008 6:30 am  
I too think that you should send Debt validation letters to all the CAs.
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SCOTT

Social security, bank account, and credit card numbers aren't just data. In the wrong hands they can wipe out someone's life savings, wreck their credit and cause financial ruin.
 
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