I just checked my credit scores for the first time in a long time, which is probably my first mistake. But I am finding that I have the same account numbers listed 2, sometimes 3 times on each of my credit reports. Is this normal?

I am not trying to wriggle out of my responsibility, as I am finally in a position in my life to pay these off. However, I don’t want to be paying them off several times, to various collection agencies. How do I know which is the actual debt, and why these debts are listed more than once?

Help!