What about a double credit found that is reported as a charge off

Good Afternoon, What about the double credit file that has been reported as a charge off, item sent to collection and add back to my credit report for different dollar amount?For example :Ford Motor Credit high balance account $30.921 charged off on 11/2002 bal $22,015 as a bad debt purchase by collection agency on 7/2006 @ $13.196 placed back on my credit report by collection agency. what is the best solution HELP HELP trying to repair my credit only have one line open credit and one charge off on my credit score 570....

Bo Majors
to REAL PERSON
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Dec 19 (2 days ago)
Well it would have been nice to have opened a couple of credit cards before the collection entry for 2006. I think it is criminal to re list with collections. What a company like ford has done is. Rather than take you to court for the balance and waste time and money on something that may prove fruitless anyway, they sell it to a collection agency for like 30% of balance and sign out. I would attack the ford motor balance and the way that is reported. I would also contact the BBB in your area and see if re dating your balance four years later is legal. You might even contact the Federal Trade Commission.
My guess is you had a car re possesed. Then they sold the car and said you had 22 left over. What did they seel your car for. You should only be liable for the difference between the sale price and the balance left. Not the enitre balance. There might be a loophole there that may or may not be legal. I would contact ford and find out abou that.

I assume the collection agency has contacted you and you do not think is is reasonable to pay.
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On 12/19/06, REAL PERSON wrote:
Good Afternoon, What about the double credit file that has been reported as a charge off, item sent to collection and add back to my credit report for different dollar amount?For example :Ford Motor Credit high balance account $30.921 charged off on 11/2002 bal $22,015 as a bad debt purchase by collection agency on 7/2006 @ $13.196 placed back on my credit report by collection agency. what is the best solution HELP HELP trying to repair my credit only have one line open credit and one charge off on my credit score 570....

REAL PERSON
to me
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Dec 19 (2 days ago)
Thanks for quick responses and this was repossession .I notice this when I pulled my credit report attempted to dispute item was informed debt from fors