I was an authorized user on one of my DH's credit cards with HSBC. They have me listed as a Joint Owner which was not the case. I need to send them a letter requested proof that I signed an application, etc. to prove that I owe them this debt, which I'm sure I don't.
If you've written a DV letter to an original credit please share a copy of your letter so that I'm not having to reinvent the wheel.
Sure did. They simply wrote me back and said that they sold the account to Collect AMerica. I've disputed this for years because I was never a joint owner on this account. So, now I'm fighting back with an OC DV. Or, should I try a GW 1st?
Not showing up on my credit report yet. However, I've found a loop-hole: this account was included in Ch 7. OC can't sell this account to ANYONE. They are in violation of the Discharge Order and this could get me some $$.
I'd rather have it off my credit however...so, my hubby & I are going to have our BK attorney send them a nice little letter!