CHECKDISPUTE | FREE PRACTICE CHECKLIST
Collection Sold to Another Company? Check One Date Field

1. Pull the original creditor's entry: name, status, date of first delinquency, balance.
2. Pull the new collector's entry: name, account fragment, date opened, date of first delinquency, balance.
3. Compare the two dates of first delinquency — they should match; note any that moved later.
4. Compare the account-number fragments to confirm the entries describe the same debt.
5. Check your correspondence: did the new holder send validation information before the entry appeared?
6. Record when you were first contacted — by phone, letter or message — and the date.
7. If ownership is unclear, note that a written request for the original creditor's name within the validation period pauses collection.
8. Write one sentence naming the moved field and the date your records support.

Practice: https://checkdispute.com/learn/practice/article-19/
Full guide: https://checkdispute-guides.blogspot.com/2026/09/collection-sold-to-another-company.html
Sources checked: 2026-09-20

General education, not personalized legal advice. No credit or dispute outcome is promised. Disputing errors directly is free.