Gosh, it has been so long since I've posted!!! I don't recognize so many of these new names! Well, I have done just about all I can do for myself with my credit repair. I have gained 95-110 points on each CR, but I still have three charge offs that I cannot get rid of - Providian, First Premier, and Cap1. Have any of you had any success with settling for deletion? These are my only negatives on all three reports. Thanks guys.
Cap 1 just offered me a deal to settle for 50% of the balance. No mention of deletion. This is their first offer though. My charge off is 1 year old. The older the better for deletion. Sorry, I couldn't be more helpful.
i challenged First Premier with a validation letter regarding the account and it's dates opened as well as requesting proof of a signature. They sent me a letter stating they were sorry for the inconvenience and are going to remove it completely. I"m still waiting on another bank who i will most likely end up seeing in court.
No...an OC is not required to validate. They are, however, required to report accurate information...so if they are not doing so, you can sue them. L
