My first question is I cant find the card varification number on my Discover Card.? Thanks for any comment. 2nd question I got is.. So here is the background on my situation with Chase.

1) Back in 2008 I was just starting to learn about fixing my credit. In August 2008 I disputed 3 Chase TLs online with TU. For all 3 I stated "Investigate /img/avatar4.jpgship: I have no knowledge of this account"...which was true because I didn't remember what these accounts were about nor did I have any records of them. TU responded by updating all 3 with "New Information"..

2) I also received two letters from Chase "verifying" the account. One had a copy of the original signed application for the account. The other letter stated ".

In researching this claim, we have found documentation of phone conversations you have had with Chase employees regarding this account.

". They also asked me to sign an "Acceptance of Liability", which (needless to say) I did not do..

I think the reason that they couldn't find the original signed application for this account was that it may have originally been a Bank One Discover card that later became a Chase card..

3) I am starting to get back into shoring up my credit lately, so the other day I called Chase's "Executive Offices" and I spoke with a young lady about the account in question. (I realize this is not the standard approach, but I figured it was worth a shot since I can be fairly persuasive on the phone.) I told her that I was learning about my credit rights under the law, but that I didn't really want to get into legalities and writing letters, etc. I added that, since A> I wasn't really sure what this account was about and B> several of the data fields on my CR certainly contain incorrect information, would she be so kind as to delete it?.

It turns out that this nice young Chase rep is just sort of a first-line rep, and that she basically takes the information and has to run it by a higher-up. She said she would call me back within 48 hours. She did call me back 2 days later, to tell me that they would not be able to delete the account, but that they were still in the process of working on correcting the incorrect information..

So.....

Since the "nice guy" approach didn't seem to be too effective, I am thinking as a next step that I will draft a letter and then 1) call her and ask if I can fax it to her and also 2) send it to her by CMRRR and possibly 3) ask if I can speak directly with the higher-up..

So now I think the question is, what do I put in the letter???.

My first question to CBers is: do I have a legal right under 623 (or some other statute) to push for more documentation of the alleged "phone conversations"?.

OR...should I pursue the other aspects that are reporting incorrectly? For example, it says that I was 30, 60, 90, 120, 150 & 180 days past due on the account. I know for a fact that that is categorically incorrect because I have never let any TL go past 30 days, or possibly 60 at the absolute most..

Thanks for any help you all can provide!..