I recently filled out applications for both refinancing my vehicle and for a personal loan. Both were denied due to an account in collections AFTER my bankruptcy from 2009. I have made every effort to pay all my bills on time and was unaware of any accounts in collection. I went to annualcreditreport.com to pull my credit reports. On both my Experian and Transunion (which were the two credit reports both lenders pulled) was Receivable Management Group. The same creditor shows on my credit report 3 times!!! All with a different account # but for the same amounts $125 and $131. I have know idea what this is but from reading other ripoff reports, I'm assuming its some columbia house crap that had to be back from the early 2000s. Two of the accounts show as included in bankruptcy and the other says in collection, updated as of April 2014! I aggravated because some retarded company decides to randomly screw with my credit, I now can't lower my vehicle payments? I filed a dispute with both Experian and Transunion against this company. I pray they get it removed....