Hi, I have the same problem as many others. At one time I had a Providian Charge card. I lost my job and filed BK in 1996.
However, I heard Providan was bought by Presido, then Washington Mutual?
Are Providian and Presido one in the same?
I never got a charge off form for taxes... So I wonder if this isn't after BK reporting? It has been so long ago I have no idea... If so this shouldn't even be on there.
I checked my 3 cr reports and found Presidio/cm listing as Date opened 2000. Reported since Jan. 2001 Date of status Apr. 2005. Last reported status Apr. 2005. Type Revolving. Terms NA. Monthly payment NA. Responsibility Individual. Credit limit or orignal amount $1,600. High balance $2,861. Status Transfered, Closed/account charge off $2,861 written off. Charge Off as of Nov to Apr. 2005. Creditor's statement Purchased by another lender.
Then walks in Midland (M.C.M.)
same providian card different account numbers:
Date opened Sep. 2007
Reported since Nov. 2007
Date of status Nov
Last reported Dec. 2007
Responsibility Individual
Credit limit or original amount $2,882
High blance NA
Recent Balance $4,100 as of Dec. 2007
Status: collection account. $4,100 past due as of Dec.
Collection as of Dec. Nov. 2007.
This account is scheduled to continue on record until Jan.
I never got anything from 2005 to 2008 on this.
SOL is 4 years in CA.
But it can be reported for up to 7 years on CR.
However, Midland has re-aged the debt and looks like almost doubled the amount due. This seems to be FCRA and FDCPA violation.
I really don't want to DV Midland as of yet... Too much stress. But have disputed it on the big 3 CR by letter.
Any suggestions?
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