Is my score lowered because both the original creditor and the collection agency are reporting? Strangely, they have two different accounnt numbers, different dates, and different balances! Am I being screwed?
Killer, If the original creditor is reporting a charge off of $x or anything other than R1, this is negative. Collections are always negative. So, yes they both are affecting your score. I'm not sure about the different dates, $'s and accounts. Are you sure the collection is for that creditor? Not that it really matters, it still needs to go away We're all being screwed by the CRAs! If you haven't already, dipute them. If you want some more info, post the details. Depending on the age of the derogs, $ amount, statute of limitations (in your state), etc, you might go about handling it a little differently.
