(716) 312-6045

I'm not totally positive (someone else can correct me if I'm wrong) but I believe Providian is no longer in business (bankrupt).  If that's the case, you may contact all three repositories and request they delete this based on the fact that they are no longer in business. You shouldn't have to pay these vultures (collectors) anything.  I've noticed that's their latest m/o; they scavange through peoples' credit files and go after accounts that should be expired or deleted and will attempt to collect whatever monies they can,****uming that the consumer doesn't know any better and will be initidated enough to pay it.  Unless the laws have c****ed lately, this is illegal. Check your credit report; any account (non-government) that is over 7 years old should drop off, if not request the bureaus delete them.  Any creditor that has gone bankrupt (defunct), should also be deleted based on that fact.  The bureaus will confirm they are no longer in business and delete the account(s).

This number has called me twice in the last week.  When I called back they said that they were a collection agency handling my account with Providian.  I pulled my credit report at annualcreditreport.com and it is still there.  They said that I can pay $2000 in 1 payment to clear up my account which the credit report said was $3600.  I am not sure if I can pay that amount but if not I will try to make monthly payments.  Please let me know what will be better for my credit rating.  Thank You