This company that I have gone round and round with has verified a dispute with the CRA. I requested validation and all they sent was a signed application for the credit card. I have a credit card statement from about 1 year prior to the date that the CA starts reporting, which starts the 7 years. On this statement I am very behind in payments, due to LOC, amount owed and amount being asked as min payment. LOC is $500.00. total amount owed is something like $750.00 and min payment asked is over $100.00, due to not paying prior to this. Of course there is the late fee and overlimit fee and interest added on this statment, which again raises total amount owed. My first defense is that dates are incorrect, as I am very behind at least one year prior to this being reported by a CA. I requested complete accouting hisotry and all I got was a phone call, stating that they will settle for X amount. This call happened after I requested validation and it had been igonored, 2 times. I disputed with the CRA and it came back verified 3 months ago, but nothing changed on my report, except that it was verified. I disputed again and again it came back verified, but this time, the amount owed is $600.00 more, but last reported date is the same as all previous reports. Now what should I do?
