Success With Capital One

Discussion in 'Credit Talk' started by whoopi, Aug 27, 2003.

  1. whoopi

    whoopi Active Member

    i recently disputed a charged off account with cap 1 and it was removed with no problem. What i don't understand is that i only disputed it only one time. I have changed my address a couple of times within the last year. Do you think that might have something to do with it?
  2. SoParkDiva

    SoParkDiva Well-Known Member

    The 7 year SOL was probably up. It was due to fall off anyway. Congrats :)
  3. whoopi

    whoopi Active Member

    the sol was not up until about 6 more years?? i thought cap 1 was tough to get off your reports?
  4. Melissap1

    Melissap1 Well-Known Member

    Congratulations! I think you got "lucky"!
  5. nngoodcred

    nngoodcred Member

    Had your cap 1 gone to a CA yet? Mines is now with NCO financial and I dont know whether to attempt to pay them through CCCS ( my original plan) or just try to dispute it. I know they have the wrong address for me because when they called they asked me if I still lived there (I'd never heard of the street!)
  6. SoParkDiva

    SoParkDiva Well-Known Member

    Obviously that was a mistake. Probably keyed in wrong by a over-worked minimum wage employee. As soon as Cap 1 updates your report it will be back on there.
  7. jlynn

    jlynn Well-Known Member

    Re: Re: Success With Capital One

    Then you can play the reinsertion without notification game with the CRA.

    I was lucky enough to get Cap One deleted off of TU, it was reinserted illegally, and was hard deleted.
  8. janritch

    janritch Well-Known Member

    Which CRA did you dispute with and How long did it take for the TL to be removed? Janet
  9. whoopi

    whoopi Active Member

    i disputed it with trans union and equifax and came off no problem but had to dispute twice with equifax cause the first time they dropped it down to a R5 and on the second time around they deleted it.
  10. rhondak

    rhondak Well-Known Member

    Do you mind if I ask how old the account was? I'm trying to get rid of a Cap1 account, too.

    Thanks in advance
  11. whoopi

    whoopi Active Member

    the account was only one year old.
  12. rhondak

    rhondak Well-Known Member

    Cool. That give me hope. This one is almost 3 years old.

    I swear sometimes I think it just depends on who gets the dispute - arbitrarily deleting or verifying.

    I think I asked you in another thread if used letters from here when you disputed, or just did a general dispute with the CRAs.

    I appreciate your answering my questions. I hope I'm not being a pain. It just gives me hope when other people have been successful doing what I'm trying to do.

    Thanks again
  13. lbrown59

    lbrown59 Well-Known Member

    1*I don't know whether to attempt to pay them through CCCS ( my original plan) 2*or just try to dispute it.
    nn good cred
    1*Nco is a big baddie Don't add another going to C C C S.
    2*Send NCO the validation letter.

    THE END ** *** ** LB 59

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