Does Your Credit Report List the Same Account More Than Once?

Duplicate Listings Bring Credit Scores Down

If a creditor sells your account to a debt buyer, sometimes both the creditor and the debt buyer will list the same debt on your credit report. Duplicate listings can lower credit scores and make it more difficult to get approved for a loan, buy a car, refinance a home, or get a job. Even if you pay the debt, duplicate listings may remain on your report.

Steps to Dispute Errors on your Credit Report

  • Obtain current credit reports from Transunion, Experian, and Equifax. Consumers are entitled to obtain a free credit report every twelve months from each bureau.
  • Send written disputes to the credit bureaus that show a duplicate listing. Include a current copy of your credit report with the disputed item highlighted. Briefly state why the duplicate listing should be removed. Attach any supporting documentation that will support your claim.
  • Written disputes are more effective than online disputes. Limitations, such as the number of words and characters, may restrict the explanation of a complex dispute. As well, documents that help explain a problem can be submitted with a dispute letter.
  • Send your dispute letter through the US Mail by Certified Mail, Return Receipt, or by another traceable means such as FEDEX.  You need written confirmation showing the dispute was received.  The bureaus have 30 days to respond to your dispute.
  • Keep a file with all dispute correspondence sent and received from the credit bureaus.

Get Legal Help

Flitter Milz is a consumer protection law firm that represents people with  credit reporting problems.  When there is an error on a credit report that the bureaus do not correct, there may be a violation of the consumer’s rights. Contact us for a free evaluation.

Student Loan Collection by Transworld Systems Inc

Have you received collection notices from Transworld Systems that claim student loan debt is owed to the Pennsylvania Higher Education Assistance Agency (PHEAA)?

Flitter Milz has found that Transworld Systems sent letters to consumers claiming student loan debt owed to PHEAA. Many of these collection letters threaten legal action and violate consumer rights.

No Cost Review of Your Collection Letters

Flitter Milz will review your collection notices at no cost. If the letters present violations of the federal Fair Debt Collection Practices Act, we will pursue a lawsuit for you at no cost.  

What if I Actually Owe the Debt?

Whether you owe the debt or not, the Fair Debt Collection Practices Act protects consumers from unfair debt collection practices. Collectors may not use false, misleading, or deceptive statements when collecting a debt. 

Flitter Milz knows consumer rights and is prepared to go to Court for you.

Contact us to get a free case evaluation.

Auto Repossessions by Crescent Bank

Did you finance a vehicle through Crescent Bank?

Cars are expensive, new or used. Usually, the buyer finances the purchase. A consumer’s creditworthiness affects the cost of credit. A lower credit score can increase the interest rate and impact the length of the car loan.  

The financing of your auto loan through Crescent Bank may have been handled when purchasing a used rental vehicle through one of Enterprise Car Sales locations in Pennsylvania.

Was your vehicle repossessed by Crescent Bank?

Whether you defaulted on your auto loan or not, Crescent Bank may not have handled the repossession properly.  Although you may have fallen behind on payments, there are laws that protect you from improper repossession.  Contact Flitter Milz for a no-cost evaluation. We will review the financing details of your loan and the repossession of your vehicle.

Enterprise Car Sales has several locations throughout Pennsylvania:  
Allentown, Conshohocken, Cranberry Township, Essington, Mechanicsburg, Monroeville, Philadelphia, Pittsburgh, Warrington, West Chester, and Wilkes Barre.