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If you have not already disputed the account as "not mine" then do that first.
You many have some luck dealing with Discover, perhaps they will work with you on some sort of repayment plan.
I have posted some other programs in another post of mine that could add great value to the services that you provide to you clients and may convert those unhappy turndowns into happy home owners.
Well, to my surprise, there were 2 pulls done each day for a couple days in a row.