Wednesday, February 20, 2008

Credit Report shows 7 entries by the same collections agency all dated for the same month

I got my husbands credt reports from Experian and CSC. on the CSC report it shows 7 entries by the same collections agency all dated for the same month and year for either 22$ or 28$ ( they all have different acct #s). On his experian report their are 17 different entries all for 05/2004 as well for the same collectiosns agency. They also have different acct numbers. they are also all for 22$ or 28$. I am wondering how I go about disputing these. We knnow the original creditor was Utah Radiology Associates but we dont know why they would have charged him 17 times at once and not just put it all on one bill. We have no receipts for this time period. Are we allowed to contact Utah Radiology Associates and ask them what these charges are. Also these charges were all covered in my husbands bankrupcy, but they still all say unpaid. Their is no reference in the reports that my husband ever had a bankrupcy. if I dispute this will that alert them that they need to put bankrupcy on his report? Also, if I do dispute these what would be my grounds? Sorry for the really long email and thanks for your help and time!
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if they were included in your bankruptcy
they should all say so

you say different things

if the radiology was included in bankruptcy but these other debts were not, then the other accounts would not be legal and you should validate the collection debts.

Yes you can call the radiology people and negotiate and you should if they sold these included in bankruptcy debts.

It does not make sense that one filed bankruptcy and it does not show up on the report.
You mention Experian. Could it be listed on your report at the other 2 bureaus? You should know.
Make sure you have all accounts included in bankruptcy shown as included on bankruptcy on your reports as indicated in the link above.

And
inlcuded in bankruptcy means. NOT Paid in full.
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Sorry yes, I got the reports from Experian and Equifax, Experian has the bankrupcy on fileand equifax does not. it says it was discharged in 07/2004. Most of the multiple radiology accounts were opened in 05/2004 one says 12/2002.Their are 2 that say that the status is "Discharged through BAnkrupcy ch 7/Creditor cannot locate individual. these 2 were both opened in 05/2004 and one is for 22$ and one is for 28$. So it seems that initially there were only two charges, one for 22$ and one for 28$. So when they reported it they only fixed those two, becuase the others are just duplicates. COuld this be true ev en thought they have different account numbers and if this is all correct. Where do I go from here? that was all for experian, for equifaxi have the 8 entries all say unpaid.And their is no reference to bancrupcy in the report. Where do I go from here with this one? thanks again. Sorry i am so confusing!
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use the credit dispute form
if you do not already
have the address
to validate
the multiple same duplicate collections

in the end pay them and be done with that no matter what.
its only 22 and 28 dollars several times.

keep new good credit cards that report to a bureau
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