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yozdagger

Two defaults.....One account

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Hi,

 

Need a bit of info from the experts.

 

I have recently checked my credit file from Equifax and noted that an old EGG account appears as defaulted on my file TWICE.

 

Once from EGG and once from LOWELL - both with same amount / same date.

 

I contacted Equifax to ask them to remove the duplicate and they replied that both EGG and LOWELL say the data is good - so case closed.

 

After pressing them further they then said EGG has sold the debt to LOWELL and market the default as "settled" which therefore allows LOWELL to add a new default for the new "active" account.

 

(I always thought that once an account defaults it's effectively closed so how can it default again......)

 

Is this correct? After all - what's to stop LOWELL selling debt onto X and them doing exactly the same - the default would just get recycled and never drop off.

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Anthrax alert at debt collectors caused by box of doughnuts

 

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and in the meantime you could add a comment to the file

 

"Disputed account- same account" or something similar

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