have two trade lines that I need some input on.
the 1st is a nextcard: opened 10/00, date rpt 9/02, high limit $349, dla n/a, date of last pmt "blank", charge off, showing 120 days late 4/02 then 4 months "pays agreed"
the 2nd is Merrick bank: opened10/00, date rpt 12/05, high limit $0, dla n/a, date of last pmt 9/01, major dlq date 3/05, charge off, bal $349, past due $349
Both have different acct #'s
I'm not sure how to handle these two accounts. I know that Nextcard was closed by the FDIC and Merrick bought a portion of those accounts. So I will be unable to verify/validate nextcard account and believe it will have to be removed by the CRA. Merrick is tricky though, it is the same account. I have "googled" Merrick and have read the accounts of people having little or no luck in regard dealing w/them. My first step is to send a letter to the CRAs requesting nextcard be removed. With Merrick though I'm unsure how to proceed.