Separate names with a comma.
Discussion in 'Credit Talk' started by Bebetter, Oct 15, 2016.
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If the creditor's name changed, it should only be listed under the new name.
An account could theoretically be listed three times.
OC - Original Creditor
CA1 - CA, JDB, or Attorney
CA2 - Some CAs buy accounts but assign the account to another CA to collect.
Each account could be listed on the CRA report.
So, do you know that the company's name changed, or is it possible that they assigned the account for collection?
jam237, thanks for the reply. I dug a little deeper and found the credit union did in fact change its name well after the account had gone to collection, even though, to this day, I don't see on my CR where a CA ever took possession of the account, nor has a CA ever contacted me (by either phone, letter, or email) about that account. I intend to try to repay all the delinquent accounts on my CR, but if this is something that should not be on there to begin with, then I'd rather use the funds to put toward another account.
If the OC is on the report twice, I would do the following.
Send the OC a letter (to both names and addresses on the CRA reports) letting them know that they are reporting the same account twice, under both their old name and their new name.
The second that I know that they received both letters, I would dispute both accounts with the CRAs as duplicate accounts. (The CRA dispute invokes the civil penalties for the dispute.)
Welcome to Creditnet Bebetter! Love the user name by the way
Jam's strategy sounds solid to me. The OC shouldn't be reporting under both names, and duplicate accounts are generally pretty easy to handle through a CRA dispute. Write the OC directly as Jam suggests, and then dispute both accounts through the CRAs. Good luck and let us know how it goes!
jam237 and JoshuaHeckathorn, thanks for your advice and the warm welcome! I'm really trying to live up to my username. I'll let you know how it goes, thanks again!!
No problem at all. Keep working hard at it, and I'm sure good things will happen. Best of luck!