Do you mean original creditor, or collection agencies are reporting? What do the entries show?
Ok. I'm on the computer, so I can type faster, and with detail...
What are the two OC entries showing, along with the CA entry?
Dates, amounts...etc.
@Anonymous wrote:Chase
Balance $10500
Last Payment 2/11
Fall off report 10/16
Last update to Report 10/2013
Note: They sent me 1099-C 1/14 and said they will no longer try to collect on this debt
Discover
Balance $2550
Last payment 12/09
Fall off report 6/16
Last update to report 8/2014
Exxon/Citibank
Sold to Midland Funding
Charge off
Balance $0
Midland Funding Balance $2300
Last update on report 8/14
Wow....blacklist.
Chase should be reporting a zero balance, if they 1099'ed you. Nobody can ever come after you for that item again. GW will be next to impossible, as they've already tossed it, and can't reverse a 1099-C.
Looks like Discover still owns it, if they're listing a balance, as compared to Exxon, which shows zero/sold to a CA.
Depending on your SOL, you might be able to pull off a PFD with MCM, but I've seen that go both ways. Find that out, and how old is the MCM entry?
As far as a PFD with Discover, hopefully someone else here has a good experience to report for you.
IME, PFD's typically do not work with an OC/CO status with the "prime banks."