When Sending DV Letter, Use Married Name or Maiden?[ Edited ]
01-17-2012 05:48 PM - edited 01-17-2012 05:59 PM
Not sure if this is a dumb question or not, but I'm hoping there's a simple answer.
Recently while checking my Experian credit report I found that Trident Asset Management has put a collection on my CR for $93. The original creditor is Columbia DVD. Today I called Columbia DVD and they said that did have an account under my maiden name and an old address from 2005, but couldn't give me any other details. I have absolutely no memory of having a Columbia DVD account ever, however I do remember having a BMG Music account around that time which I fulfilled my obligations for and closed the account... not sure if they're related.
Anyway... I'm currently drafting a DV letter to Trident Asset Management. As of 2009 I've used by married name, but this account is apparently from 2005 (before I was married). Do I use my married or maiden name (or both) in correspondence? Basically I think this collection is bogus and want if off my record, but I don't want it delayed by a name-change/confirming identity issue. My TU and EQ scores are very respectable and I've worked hard to get them that way, but this collection is really holding back my EX score.
FICO Scores: 753 TU (4/2013), 744 EX (9/2012), 713 EQ (8/2012)