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  1. I am not a smart person in general, and when it comes to credit reports, well then, that stuff might as well be in a foreign language. I had a GM Mastercard with HSBC. After default and collection activities, the account was purchased by Cap One (like all hsbc accounts). Here is what my tradeline shows HSBC/Capital One/Speedy Muffler King. What the hell is speedy muffler king? This is the closest thing I could think of...