Experian says: Q: Why does certain information appear in more than one place on my credit report? A: We do this because the item has been reported by different sources: one entry came from the original credit grantor, and one entry came from a collection agency. This information will remain on your report for 7 years. So apparantly it's legit to have two bad tradelines for one contract? What happens when the collection agency sells it to another collection agency? Three bad tradelines, and so on?