I’m new to forums but have done a lot of reading. I thank all of you for the helpful information.
I’m working to improve my credit worthiness but have struggled with past debts. I currently have an open derogatory trade line which indicates “charge-off” but this same account was apparently sold to a collection agency. The account now reports twice on my report as an ‘open derogatory’ and ‘collection.’ I have another account that reports twice as closed derogatory and collection, which is how I believe it should be reported if it should even be reported twice at all. I think the open derogatory hurts my credit monthly and I would like to know what I should do to correct this? Thank you