Hi, I'm new, and becoming less naive by the minute.
Before I found this board, I gave a CA (LGBS) my bank account info over the phone so that they could make monthly debits to pay off my debt. I also recently sent them checks since I've had extra money. Right before I found this board, they sent me a settlement letter, which I never acted upon--I plan on sending them a validation letter, but do I need to close my bank account before I do so?
Also, the CA itself is not showing up on the tradeline on my reports. The OC (Barclays Bank of Delaware/Juniper Bank) is. I assume I should do an OC validation before doing anything with the CA...Is that correct?
Thanks in advance for helping me become more financially responsible!