Hello myfico:
I have an account with HSBC RETAIL SERVICES that has the status of "Transfered, closed." I am assuming they sold the debt to some credit collecting company, and I believe i have already paid it off since I do not see it on my CR now (It has been a while, and i cannot remember).
However there is still a whole bunch of 30, 90, and 120 days late on this account that looks really bad on my CR.
Will I still be able to send a GW letter for this? Even though i did not pay it off with the original creditor? Or is there any other way to make this look better?
Thanks a lot!
