not sure what you should do with the victoria's offer, but on the spiegel issue, i would dispute that on my reports. spiegel went out of business and no one is going to respond to the dispute which means it wold be removed from your report.
What would the dispute reason be?
Did Spiegel go out of business?
I decided not to take the offer. I got a JCpenny's card instead. Started at 800.00 and four months after having it's at 1800. The speigal charge off fell off my reports this summer. Now Im waiting for capital one to come off this October and my reports will finally be clean. I shop at Victoria's secret but not as much as Penny's so it worked out thanks all