I have read TOO much!

[Anonymous]

My brain is about to explode.  I guess my question is simple but there are many varied answers to this on line.  Here's the deal: my credit reports show 3 Providian accounts: 2 are in collection and 1 (could be a mirror of one of the others) is a civil.judgement. If you add all three together is it a RIDICULOUS $13,000!!!  Needless to say, no one ever gave me a credit card over $1,000 ever!  So I have to get this off my report ASAP as my wife and I want to buy a house soon....can I contact Providian (the OC) or do I have to work with the CAs?  (They are the ones reporting...)  I saw your sample letter to the CA but is there one like it for the OC?  Can the OC get paid and tell the CAs to get lost?  Is that possible?

I would much rather go to the origonal source.  Thanks.

[fused]

You will need to find out if the OC sold the accounts. Who sued you?

[Anonymous]

FrankieSings wrote:

my credit reports show 3 Providian accounts: 2 are in collection and 1 (could be a mirror of one of the others) is a civil.judgement.

Have you contacted the courthouse to find out who filed a judgment on you and when?

Have you moved and changed your state of residency in the past 10 years?

[SmartCookie]

FrankieSings,

Listen to Noah and fused's advice regarding the judgement.

For all else, I wanted to let you know though that Providian was sold to WaMu.  Most old stuff will be wiped off of your CBRs with a simple dispute to either OC or CA as they cannot verify... they don't have the old records.  YMMV.