I'll start this one out - LVNV Funding BOUGHT your account for next to nothing - be sure you request DV in writing, CMRRR, do NOT talk to them on the phone. They are buggers that can & do report double accounts, I have one on mine exactly the same as you. One showing 0, one showing NEW as of 2004, when they bought it, and they list activity AFTER the DOFD which they aren't supposed to be able to do.