I am sending a statement to the bureau to show me the exact process as to how they verified the debt. The OC is USBANK, and the CA, or so it appears as US BANK RMS CC. It appears to me as a department within the bank. In fact, I have different last activity dates as well as balances, but they are the same account. I haven't heard from these two creditors for ages. Currently, another collector, Opnium, trying to collect on this account. They are yet to be on my credit report. I did send the second CA a DV and a no Call letter. It looks as if these accounts will never fall off my credit report. Also I am going to be writing goodwill letters to creditors. Is it recommended to write them to paid off accounts, or settled accounts, that still show negative information on the credit report? My third question is that I have reasonably small debts that have gone to collects, but it appears they won't fall off until 2011. would it be wise to pay them of and request it be noted as paid in full, and the pay status changed to current?
