NEWBIE: I need help tackling the worst beast on my CR's. I had an account with Nextcard which was 120 days delinq before it was sold to Merrick. Both are showing on EFX. How can they show 2 derogs on my CR for the same acct. I'm about to start sending the validation letters to Merrick, but what can I do with Nextcard acct? Nextcard show's 0 bal but showes 120 days late and sold to another lender. Merrick showed a balance of $8800 and reporting it as a CO and 180 days late. I almost settled before I found this website; and now I need help to devise a plan to have the CO removed from all my CRA's. Can anyone provide any insight to this problem. I need to apply for a mortgage and this is going to be my worst nightmare!! messedup
