I have three collections for the same old charge-off, is this right. Can credit repair help?

The FTC Position Rules

It is not in the Fair Credit Reporting Act, but an FTC Staff Opinion Letter has made it very clear that a collector that sells a debt to another collector, or returns it to the original creditor, is supposed to remove the collection account entirely from the credit report.

In Short

The bottom line, and an important credit repair fact, is that there should never be more than a single collector reporting a debt.

Coping With the Facts

Unfortunately, there is no incentive for a collector to remove a collection from your credit report when they sell the debt, nor a punishment for failing to comply, so they take the easy path and let the old collections remain.

If you see duplicate, or even triplicate, collections for a single debt, put credit repair to work and clean them up.