• Credit experts, I need your input/advice/comments.......?

    I had a credit card with Providian, which was brought out by Washington Mutual a couple of years ago, however I had already stopped paying the account before the merge. Now Washington Mutual has been bought out by Chase bank and they are trying to collect that debt from me. Can they do this? I have disputed the account on my credit report because... show more
    I had a credit card with Providian, which was brought out by Washington Mutual a couple of years ago, however I had already stopped paying the account before the merge. Now Washington Mutual has been bought out by Chase bank and they are trying to collect that debt from me. Can they do this? I have disputed the account on my credit report because it is listed as a Chase account, so is there any way they can actually prove this account is mine since when I was making payments, the payments were made to "Providian"?
    4 answers · Credit · 10 years ago
  • Does getting collections DELETED from report help?

    I have recently settled two collection accounts and the collection company agreed to DELETE the items from my report once the payment clears. Is this more beneficial to my SCORE or would leaving the acct on stating "settled in full" be better?
    I have recently settled two collection accounts and the collection company agreed to DELETE the items from my report once the payment clears. Is this more beneficial to my SCORE or would leaving the acct on stating "settled in full" be better?
    2 answers · Credit · 10 years ago