First off I want to thank everyone on here that helps everyone out!! Thanks to this website I went from a 515 credit score to a 621 since the begining of this year!! Thank you all so much.
My question is I had a discover card that I canceled in 2012, I sent a letter asking for a final bill to pay off the balance never got it of course. So I sent in little payments because I never received a statement. So they charged it off (wasnt paying enough) since the original company doesnt use collection agencies the OC is still on my credit. Fast forward to 2013 and another company takes over the current company, but they still operate under the same name. So now its not a discover credit company its a mastercard company now but its still is under the same name. They open an account under my name with a mastercard and im assuming charge it off too. I have never gotten the mastercard they said I had. So now I have a discover card and a mastercard from the same company with two different balances....I dont even know where to start to fix this or get it fixed. I never received a master card and was trying to pay off the discover...Can anyone help?
Thanks