I have a frustrating situation. In 1997 I had financial problems and got the Cross Country Bank Visa card. Needless to say the card was sent to collection and account closed by them in 3/1999. They listed the debt as a charge off on all 3 reports. I tried to settle with them offering full payment for deletion and they laughed at me. 8/1999 Now.... 8/2003 i see they sold my original debt to Midland Credit Management and there are 2 listings on my Experian/Trans Union reports. I filed dispute under FCRA with both and Experian responded on the updated report with "Original Debt sold to other lender" and they didnt delete it. Today.... I get an offer from Capital One for an unsecured visa card with 9% interest rate IF I agree to have the original debt from Cross Country (now assigned to Midland) added to the balance. They indicate if I do this, and accept the card, Midland will show the account as a Paid collection, but the original Cross Country "OC" debt will still show Charge OFf... Do I have any better options here? Some solid advice would be appreciated. CC Bank are very difficult to work with. Thanks Everybody! Matt
You talked to the wrong people dude,, not only did they delete a charge off for me they accepted 180 dollars for a 1180 c/o and bought it out of collections .. search for my posts on the topic, call the right people in the Executive offices, I assure you that it can be done. Im not lying. but because of a confidentiality agreement i cant go into further detail.
You talked to the wrong people dude,, not only did they delete a charge off for me they accepted 180 dollars for a 1180 c/o and bought it out of collections .. search for my posts on the topic, call the right people in the Executive offices, I assure you that it can be done. Im not lying. but because of a confidentiality agreement i cant go into further detail.
