So I was reviewing my Equifax report today and it occured to me I have the same mortgage loan appearing twice. The reason is when GMAC Mortage went belly up, my loan was transferred to Ocwen. So I have two identical tradelines (one GMAC and one Ocwen) showing the exact same information. I have since refinanced and am now with Chase mortgage.
Anyway, I had several 30 day lates back in 2010-2011 and was wondering if having this negative information is dinging me twice (for the same infraction). If it is, should I dispute to get one of these tradelines removed? It’s technically not inaccruate information; just duplicate.