So calling the OC to find out who owns debt would be a better move than DVing CA? I was leaning towards that as I thought DVs might make a CA not want to work with you on a PFD after that.
My understanding is that if the CA does not own the debt, you can try to PFD the original creditor. They can recall the debt from the CA and the CA would then have to delete their tradeline. Then you pay the OC and they also do not report.
DVing the CA will not get the tradeline removed unless they sell the debt. They do not have to reply to your DV.
This bad we have been discussing under my TU reports reads as Loan Type: Open Account - Collection Agency Attorney.
An RJM account I had read Loan Type: Open Account - Factoring Company Account. Is there a difference between the two?
That I do not know. Sorry.