First of all thanks for all the good advice. I have both exciting and negative responses from letters that I've sent out. Expected, not giving up. Thanks for the success stories, motivation, needed.
Here's the problem, I had a providian cc opened in 3/2005 and closed in 12/2005, 30 days past due, account closed by consumer, balance $0, CL $500, high balance $752, last date updated 2/2006 thats what's reporting on the CRA's. There's only one thing, I didnt pay this off and i know i didnt. I was going to GW them (washmtl/pro) to get the 30 days past due off, but I dont want to wake a sleeping dragon.
Not only that but there are 2 CA's collecting for this account , columbus bank & trust (date opened 3/2005, closed 1/2007 CO, with at balance of $1128) and CIGPF1 ( balance $1057, date open 3/2005, closed 2/2007). I called one of the collection agencies to see what they were collecting for and pretended that the account was not mine. I lied, I didnt want anything to be recorded. The SOL in the state of Ms is three years.
Was contacted by ACI ($1057) by letter 3/10/08 they were writing me regarding the account with CIGPF1, it has been placed with them now. I DV them yesterday.
CONFUSING!!!!! SOMEBODY, ANYBODY HELP!!!
SSS/Columbus Bank& Trust, is the one I called and they are collecting for providain. I just called WASHMTL/PRO and put in the account number and was told by a recording the account was sold. The addresses are Washmtl/Pro, P.O. Box 660509, Dallas, Tx 75266, SSS/Columbus Bank & Trust has the same address as TRS/CIGPF1, 4315 Pickett Rd, Saint Joseph, Mo 64503.
Should I DV all of them?
The only reason men fail, something broke their focus
