Duplicate accounts on your credit report violate the Fair Credit Reporting Act and are the fastest items to remove. The same debt appearing twice, whether from the original creditor and a collection agency or with minor variations, counts as a duplicate. File a dispute with evidence and you can see it deleted in as little as seven days.
Duplicate accounts are some of the fastest deletions that you'll ever see. The Fair Credit Reporting act requires that all information on a credit report be accurate and not misleading, and a duplicate item automatically violates both of those. So what is a duplicate item? It's when the same debt shows up on the credit report multiple times. Maybe the original creditor is reporting it. Then a collection agency is also reporting that exact same same debt. Or it's listed twice with slight variations in the account number or the account name. And this stuff happens all the time. So when you dispute a duplicate, you are demanding that they fix a clear violation of federal law. So you want to send your dispute with evidence and then watch it vanish in as little as seven days. This is the low hanging fruit, so always scan for those first.
