Hello, all. I sent the nutcase letter to Capital One to try to rid myself of three 30 day lates and one 60 day late on an account I paid off and closed last year. Today I got a copy of the cardholders agreement - without my signature - and some copies of internet type statements with my name, address and balance info on them. Oh yeah, plus a nice letter politely telling me to screw. So what's next? Son of nutcase? They are the OC and this is a paid and closed account, so I have been following PsychDoc's advice from a seminar he gave over at fool.com. However, I can no longer access it... Any thoughts? Any advice? Both would be most appreciated! OSAR! Emrducks.
Have you pulled your credit report to see if they made an inquiry into your credit? My understanding is it's a violation to make an inquiry if they are a closed account. Next might be to dispute it with CRA's as never late and then resend the letter to Capital One and then check to see if they verify as accurate with CRA's while it is in dispute. Then threaten to sue them for violation, settle for negative information removed from tradeline. I think this is how it works, others can correct me if I'm wrong. )
Just a bit of confusion. They can (and should) verify while this is in dispute through a CRA. What you are looking for is to see if when you contact them directly they mark the item on your credit reports as "in dispute".
Yes, I did pull my report, and they have not marked it as "In dispute." is this a violation I can get them on? Thanks! OSAR Emrducks
