I have been dealing with a Capitol One account for a relative that was settled for 60% of amount due in 12/97. The account shows on reports as an R9, charged off, with the full balance reported as written off. I disputed with the CRAs and it came back as verified. I sent Nutcase with no response. I sent modified Son of Nutcase in May and just received a response from the Executive Offices. They basically state that they won't remove the account and that they've determined it's being reported correctly. I'm not really sure where to go next with this one. It's the last derog on the reports and I'm sure it's holding the FICO down quite a bit. Any suggestions on the next step? Greg
