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I've had a lot of questions lately...sorry.

I was wondering if the DV process works the same with newly charged off debts? My credit reports show current status: 120 days late and Nationwide is representing the Amex account in question. I've already sent a DV letter to Nationwide as stated in a previous post but like I said, I was wondering if the process is the same for a newly charged off account. I don't believe Nationwide purchased the debt.

Sorry if this is a dumb question. :)

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