loan with a bad crdit

That was a tengent, anyway, things sound better than your first post, so I would do.
Make sure you also put in your letter that if upon finding you do not owe the money, they are to correct this with the collection agency, your credit report, etc.........
Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 605 [ 1681 and to limit the furnishing of consumer reports to the purposes listed under section 604 [ 1681 of this title.
(Loan with a bad crdit) That Amex Blue looks fake....clear...sorta like those fake cards that come attached to the CC apps
Usually it will write old versions of things to your hard disk and not a floppy.
Checking your scores yourself never creates what we call a hard inquiry.