Once upon a time I had a Spiegel credit card I never used, opened in 1997. Some years later I forgot about the card and never closed the account. In 2003/04 I started recieving statements with $1,300.00 worth of charges. Anyway to make a long story short, I consistently disputed these charges online and in writing for about 5 months and Spiegel itself and the charges was removed from my credit reports. On Jan. 18,2008 a collection HIT my report with reported dates of 1/18/08 for this Spiegel account. Is this disputable being that Spiegel was already removed from my report? Should I pay it? It hit my score for about 57 points!!!! I'm now at 654. Any advice!
