CC company or collector?

[JZ]

Hi, Guys,

I had a Chase Master card and is was chargeoff. There is a comment on the Equifax report: Account Closed at Customer's Request. Charge-off Account.". The account is opened at 11/02 and reported on 10/03 after 5 months late pay. The past due is $347 but the balance is $2820, the credit limit of the card. Now Tritium Card Services told me the account was owned by The Bureaus Inc. and they told me if I pay $2260 the account will be cancel and everything would be fine.

I don't recall when and how I requested to close the account without paying but I cannot say I didn't. I might did so like a fool because of misunderstanding due to my poor English. So the first question is "Does it make sense to argue with the credit card company?"

I boought a house and was so desperate to get this resolved that I called them many times until yesterday my loan officer said that the lender knew it but they don't care. Of course I won't call them anymore but unfortunately they got my cell phone, my home phone and my work fax number. So the second question is should I follow the debt validation process and use the sample letters to deal with the collecotr?

Bear with me my third question is: " what does DV stand for? What does OC or CC stand for?" Like I said my English is horrible, otherwise I wouldn't had make that stupid mistake. I was in good finance status but God knows how come I didn't pay for it.

Thanks guys.

JZ

[score booster]

Yes, DV them. Read up on it. If they slip up, you have recourse. Debt Validation, Original Creditor, Credit Card, Collection Agency.

[KentWA]

Have you talked to The Bureaus yet? HAve they sent you anything yet?

The reason I ask is they turned up on my CR and I had nothing from them in writing. I called them and they went into their collection speal. I hung up and waited for them to send me my mini-miranda within 5 days. They did not so I sent them a DV. Guess what, the day they got it, they called me to tell me if I made a "good faith" payment they would send me the DV info. ROFLMAO.

So far they have not responded to 2 DVs, No Mini-Miranda, Continued collection and not reporting the dispute on my CR. I now have plenty of leverage to get a deletion.