Hello all, I have 2 entries on my credit reports from Discover: One is a charge-off from college, the other an authorized user from my gf. I recently called about the authorized user account, and they pulled up the old charge-off instead. The woman told me that the account had been sold to another lender, and asked if I wanted their number. Since I have never heard from these people, I didn't take the number. The date of last activity for the charge-off was in 4/1999. What is the best way to deal with this? I could easily pay the debt now ($1000). It was a college credit card, after my grades slipped, I stopped working to make the grade...you can figure out the rest. Should I send a letter to Discover, or try to contact the CA? I went to college in New York, and now I live in California. It's possible that the CA tried sending collection notices to my old college address (doubtful it would be forwarded). My address is current on all the CRA reports, so I'd assume they could have gotten a correct address from there. So, why have I never heard from them? Any advice would be greatly appreciated. As you may guess, I have little experience or knowledge with this. I'd really like to clean up my credit. Thanks!
