Good question... I dunno what is the right answer. I'll do some Googling and get back to you if I bump into an good answer. You should email the people at Discover Card as they probably could give you help..

Hmmm..

Welp; currently I only have 3 credit cards. With $1200 (only.

) total credit lines. I only owe (as of today 1/19/10) $80 bucks. I do have Derogs, but the last late was sometime in 2008 with Mercedes Benz Financial. 2X 30 was my last goof..

However I'm showing major Derog on OLD debt that is NOT mine. It happened when I had POA before my MOm passed. It's really my Mothers debt. I had POA of her Medical Decisions, NOT of her debt. Nor did I sign anything. Infact, none of the debt is from medical bills or an associations..

So wtf do I do? I've disputed the debt several times and all three companies are stating that it's been verified that it's MY debt. Which is complete BS..

I do have a charge off with Capital One (from the same time period) that IS mine. I decided on paying (with Discover card) my Moms Hosptial bills first. But regardless, should I settle with them or will that open up a whole other can of worms?.

When you settle debt, is it a good thing or bad thing against your credit??!!!..

Please note, I'm still learning a great deal myself, so please allow someone to confirm.

My advice before taking it. That being said, you can clear the things weighing you down,.

But it requires patience, diligence and a willingness to hammer companies over and over and over.

To make them actually delete, warranted or not...

Thank you for your response. Regarding Cap 1, why would I want them to sue me? What does that gain me?..

It doesnt behoove you at all. The statement was a warning if we're talking about a lot of money...