Wendy
Nixa,#2Consumer Suggestion
Tue, November 01, 2005
I had the same problem on my credit report. Thankfully, the CRA's are very helpful, and know what kind of crap collection companys try to pull. What you need to do is MAIL (no faxes, no email) MAIL them a dispute and attach your documentation of the payment, along with the bills from each of the creditors and HIGHLIGHT the info that ties them together. Write a SHORT letter telling them in as few words as possible what happened. No long explainations, they dont care. Just the facts. They will remove the duplicate charge, and will update the report dates to be accurate. You can print the dispute forms from the internet, or you can just send a letter to each CRA telling them the problems. In my case, I sent a copy of my cancelled check along with the 3 different collection agency hits on my credit and they actually removed all 3 since none of the agencies responded to the dispute. It took 45 days to resolve once they received my letter. Good luck.