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Can anyone tell me how many times a creditor can list a charge off the same account? My report says charge off 12/2004. purchased by another lender.

further down in the summary it says charge off 12/2204,11/2005.

11/2205 is also coincidentally or not the same date the collection agency has listed as date account opened on my credit report.


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  • 3 weeks later...

An account can only be listed once. Dispute both accounts as not mine the first time.

Here are some tips for later on.

-Charge-offs. Try disputing the information within the listing, like the date the account was opened, the high balance, the amount owed, etc. If any of the information is incorrect, you have a good chance of getting the whole thing deleted off of your report. Also try the Disputing Listing With Original Creditor method of dispute.


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