I pulled all 3 CRA reports today and noticed in most but not all cases it lists both the OC and the CA on my report for each account. It looks like this: MBNA xxxxxx999 $5977 Charge-off or Account Sold Portfolio Recovery xxxxxx999 $5977 Placed for Collection Seriously past due date And this has happened for about 7 other accounts out of 15-20 accounts on my CR. Is there anything I can do to at least have one removed while I figure out a way to pay off my debts or dispute as "not mine?" Thanks for any help in this matter. Furtik 7/15/04 EX - 530 EQ - 555 TU - 548
Both can post... How both can post depends on whether the account was just assigned to the CA... or if the account was actually sold to the CA... If the account was sold to the CA, then the OC has a zero balance, and can report the account as such, sometimes this is not done without the dispute being performed. If the account was assigned, then both can report the account in its entirity, including the balance.
