Well so far so good with my deletions I am not that frequent with posts but I have been reading for years and my deletions have been great...on my last leg with letters. I have one OC reporting on my report saying FCNB revolving account open monthly payment $15.00 Date open 11/95 Balance 0 past due 0 pays account as agreed EQ now paying/was a chargeoff EX Now what should I do with this? Looks o.k. right should I leave it? It is sent to a collection agency and I have sent them a validation letter over a month ago and nothing back from them yet, the CA is not reporting yet... Where am I at in this situation? Also do closed accounts hurt you if they are on your report? When a CA doesn't reposnd with validation what is after that? Its hard being overseas with the time difference and mail, but I know I did them early feb, I got the green card back as well, but nothing from them, I believe there are 2. Thanks in advance for your help....
Does the EQ report say ANYTHING negative about this account? What is the dates of the lates that EX is reporting, if any?
Me thinks that a simple dispute, as never late, or paid before collection will do the trick, if ya paid it i dont think that the CA wants the thorn in their side of validating it, or even verifying it and with any luck they will not respond to EXP when ya dispute it, that would be my first course of action, after that I would go for the Knockout letter,,
1*Now what should I do with this? Looks o.k. right should I leave it? 2*Also do closed accounts hurt you if they are on your report? 3*When a CA doesn't respond with validation what is after that? teresa =================== 1* Charge off never looks good. 3*YES if closed by creditor. 3*estoppeel The END ************************* LB 59
