I am doing a good job or racking up my posts today, but I am kicking my quest for better credit into high gear now. I received a letter from Nelson, Watson, & Associates, who appears to be a CA (not an actual lawfirm--I believe the term pre-legal department has been used to describe them). Anyway, it identifies the creditor as Pinnacle Credit Services and the Original Creditor as a utility company (I can't remember if the bill was paid or not). In other words, it appears that a CA is representing a CA who is representing the OC. Do I send a DV to NWA and Pinnacle? Or, just to NWA and treat Pinnacle as the OC?