MadCow

@Clydesmom and @BV80 Thanks for the explanations. I thought I had a case but clearly I don't. Its not a huge amount so I guess I will just settle and ask for delete as part of the deal. Thanks a bunch!

I had a charge off from a credit union that went into collections. After the transfer of the debt, the credit union still kept reporting the balance owed. They actually farmed it out to two CAs who where both reporting the balance on my credit at the same time. The CU didn't report the balance as zero. So I kind of had a "triple jeopardy" situation. After I called the credit union they said they had taken the account from the 1st CA back in 2013 and sent it to the 2nd CA. They also took it from the 2nd CA in 2015 and brought it back in-house. But both CAs kept reporting I owed the same amount

Hello, I must thank everyone who contributes here so much. I started cleaning up my credit about two months ago. I had five collections and two charge offs on my EQ. I depended on the advise given here and sent some verification letters and also disputed with the CRAs and followed up with a MOV after the disputes. Two CA's deleted right away and sent letters saying they are no longer collecting on my account. After the MOV, EQ deleted all my other three remaining collections accounts. As of today, I have only one charge off from a credit union. My score has jumped 35 points, from fair t