I received a statement from HSBC – Best Buy. Account is 3 months in arrears – I messed up & want to fix. I then received statement from Collection Receivables. I did a DV. I received copy of credit card request from Collection Receivables and a letter saying to contact them to make suitable arrangments. 2 days later I then received statement from HSBC. I want to fix this – I got a copy of my credit report and the account is “account closed by credit grantor” 120 days past due.
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Can I do a PFD with the original creditor or do I have to deal with the CA.
If I can do a PFD with the CA (not currently showing on account) – I’m assuming the HSBC will still show up.
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I know I messed up – i moved and didn’t take care of my business.Â
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What is the best path?