Original creditor is no longer reporting an account to the credit bureaus but debt collector is reporting new dates on the account. This action is re-aging an account which is illegal.
Disputing an old collection account can trigger the collection agency to renew their collection efforts or sell the debt to a new debt collector.
The minimum payment on credit accounts should be used as a convenience only because paying only the minimum could mean you end up paying 3 times the original purchase.
Payment deferment can give you room to breathe If you’re currently having trouble making credit card, personal or auto loan payments. Plus debt deferment can help save your credit scores from late payment marks.
Credit scores can take a dive if you have duplicate negative information. It appears that you have more DEBT than you actually have.