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An answer for those that need some credit reporting advice!!!!?

http://www.fair-debt-collection.com/junk-debt-buyers.html

I had a big problem. I owed a debt due to unemployment. I asked for advice and people were telling me not to pay it because it would restart the clock. The problem: a double entry on my credit report - one from the orgl. creditor and one from the coll.agency. It was kind of unfair because this was zombie debt that resurfaced out of nowhere, 4 year old debt being reaged. I figured I was unemployed for a year and a half - the original creditor got his "reward" (acct. was sold AND was written off) - so I decided to not look back and simply be a good citizen moving forward, which I did. A lot changes in 4-5 years.

Now I have this agency giving me the silent treatment, after writing letters because my credit report tumbled 30 points because of their "fresh entry".

Read the link above, if you scroll lower under #4, "Multiple Listings of the Same Debt" - which means that I can actually fight this. Keep the faith!

Debt validation may be your best bet here. Ask them to get proof you owe the debt. Not sure if re-aging is the culprit here as the credit reporting agencies have the date of 1st delinquency by default....it's provided when the debt goes to collections.

If it's 4-5 years old you would be better off spending your hard earned money elsewhere, unless you are sued, in which case you need to pay it off. But with 2 years left to go before it falls off your credit report, it won't improve your credit paying it now.