Hello everyone.... I used to use the qualitycreditrepair board but this is light years ahead of that discussion! Maybe one of you can help me. Providian was the first card I had after my BK. I probably got it too soon and screwed it up (I've gotten an auto loan and 4 good credit lines since). Anyway, it's now in collections and I can't get them to delete in exchange for full payment. However, although the SSN is correct (I think), my last ame is totally botched. Can a dispute on these grounds get it removed? What are my chances? Regards, Tom