Reader’s Question

Hello,
I have been trying to find out if I can remove one of two duplicate accounts on my credit report. Specifically, I have one negative entry from the original creditor who transferred the account to another agency. Then there is another negative entry for the same account from the collection agency who purchased the account. I have already settled this account but I have two bad credit entries for the same account. Can I remove one of them and if so which one.
Thank you

Response

Yes, as long as the multiple negative entries are in fact duplicates and not separate items. If the entry from the original creditor is a late payment and the entry from the agency is a “collection” then it might be difficult to justify these as duplicates. Otherwise, I suggest writing a letter to the agencies stating that these are duplicates and to remove them right away.