Newbie question

[RealTree]

Im new to this site so thanks for any help. I have been doing lots of credit repair and have had some success. But have two situation I could use some adivce on.

1) Verizon sent my phone bill to collection in 05. At that time it was split into long distance and normal charges. I paid it off in 07 not bargaining for removal at all, dumb but didnt know any better. But now it shows on my Crs as two derg. accounts when it was really only one that they split. Can they do that?? Thats like a credit card co. deciding to hit you for each charge that u made instead of the total debt.

2) During that same time 05 I filed Bancrupcy and included my car that sky bank held the title. Apperantly they sold out or sold the account to Huntington bank. Now Both are showing a Derg. that was including in my Bancruptcy. Equifax informed me that this was okay since they both owed the account. Can I get punished twice for the same account from different banks?

[94B]

Originally Posted by RealTree

Im new to this site so thanks for any help. I have been doing lots of credit repair and have had some success. But have two situation I could use some adivce on.

1) Verizon sent my phone bill to collection in 05. At that time it was split into long distance and normal charges. I paid it off in 07 not bargaining for removal at all, dumb but didnt know any better. But now it shows on my Crs as two derg. accounts when it was really only one that they split. Can they do that?? Thats like a credit card co. deciding to hit you for each charge that u made instead of the total debt.

Obviously they feel they can and therefore have. Is all of the info the same for both accounts except for the amounts? For example, are they reporting the same account number for both accounts,etc...??

Have you done the basics of credit repair? Have you disputed these accounts before? If so how(i.e online, mail, not mine,etc..)??

Originally Posted by RealTree

2) During that same time 05 I filed Bancrupcy and included my car that sky bank held the title. Apperantly they sold out or sold the account to Huntington bank. Now Both are showing a Derg. that was including in my Bancruptcy. Equifax informed me that this was okay since they both owed the account. Can I get punished twice for the same account from different banks?

Are the 2 accounts reporting essentially the same info? Are the account numbers different for each of the tradelines?

Have you disputed these accounts before?