Hello! I decided it was time to settle my debt. However, with so many banks going *poof* over the years, I am not sure how do I contact creditors regarding my debt. I have few cards that were at the time Provedian/WaMu but since WaMu was bought by Chase, they are Chase now. However, the credit card number on my card does not match the one in my credit report. And the same problem with METRIS credit card, which is now owned by HSBC. My credit report doesn't show how much I owe, and in fact it is telling me that my credit score is 689. It shows that out of 7 in negative standing only 2 are in collection and are open, all the rest are closed. If I call Chase and HSBC and try to settle over the phone, will it work? Is it better? Can't write a letter since the numbers are all messed up. Don't want to create confusion. Just want to be finally done with it. Will greatly appreciate any advice! I am sorry if it is a bit confusing. :/
