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Need Advice: GE Capilot Mervyns Charge Off 1st Strikes.


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I’m helping my buddy with a GE/Mervyn’s charge-off account opened in Aug-2008 and paid in full Jan 2012. His liv-in girlfriend opened the account in his name never told him about it and it charged off to Paragon Way collections. He paid it in full with Paragon Way collections Jan 2012. It was small, $50, and it looks like there may have been some payments made on the account. There have been no disputes with the CRA’s and no demands send to GE and this will be the first OC strikes on this. It looks like I can’t DV since it’s paid and I’m not sure about a 623. I'm mostly interested in the OC GE here. What should I do? Thanks for your time and consideration!

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