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Discussion in 'Credit Talk' started by popnsan, Feb 9, 2001.
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I see no one has tackled your Capital One problem yet so I'll jump in. Hopefully, some of the experts will throw in their two cents worth, too.
I didn't fully understand. Are both accounts still being reported on Equifax and Transunion? The Cap One card that was charged off in 93 should be off of both by now. Since the seven-year period is up, ask the bureaus to delete it. That should be pretty simple and straightforward.
To do this, you can either call or write. If you choose to send a letter, make sure to send it via certified mail.
What I'd probably do is get the oldest Cap One account deleted first and then you can work on the second. Of course, you could dispute them simultaneously but I'd be inclined to take the one-at-a-time approach.
Immediately, I'd get in touch with Cap One and start disputing the 96 account. Send them a prove it or remove it letter. Demand that the account be validated. If Cap One can't show proof that the account belongs to your wife, then it has to be deleted. If you need samples of validation letters, we can direct you to those.
Good luck. I hope this helps a little.
I'd be more aggessive and do both at once because he's splitting up his approach so there's no downside:
Dispute old Cap1 directly w/credit bureaus.
Make Cap1 validate the 96 debt.
Good advice Donna. Remember, if it's not in writing it doesn't exist.. expecially w/validation letters! You do a prove it or lose it letter w/30 days to do it... then a 15 day (since you didn't validate yet...one last try or it doesnt exist) letter... and these letters will help protect you.
If Cap1 doesn't respond and then you demand tradeline removals and if it haunts you later (Eg: they try to go to collections or to get a judgement) you have a BIG defense that you've already proven it's not hers b/c Cap1 didn't validate the debt when requested. I agree w/you about trying to pay as many valid debts... but it also sounds like CAp1 may not be playing fair w/you and just hoping you have no clue what your rights are.
FOr sample letters: in the last day or 2 we've posted several under "validation" and carreonandassociates.com has some NICE letters too! Good luck