I have an account that states status: now paying was CO and current, I tried repaying them a coupld years ago and never got totally paid off went deliq again and it still states that on my report can I try and slide in the payoff? Although I do have a CA collecting for them I receieved a settlement offer of 50% last month. So actually they are reporting inaccurate info and violating the law, hmmmmm Well I might take the settlement for deletion, then go for the violation to the OC. Sound good? ANy advice....
1)what exactly do you mean by "slide in the payoff 2)what exactly are they violating and what exactly is inaccurate. I'm sorry, but I'm having a hard time following your post.
I don't blame you about following now that I read it, its like what the.... O.k. on my report I have a FCNB card with Speigel, well I did. A few years ago when I was going to start all this credit repair I had contacted all the people I owed and asked to set up payment plans, yeah I know mistake now...but anyway, they had no problem and we started making payments they updated my report as paying and current well it has been about 2 years since I did this and since then I have not made anymore payments and still have a balance, well on my report they are reporting was CO now paying and current. How is that effecting me? Now of course it is with a CA again recieved a letter in Feb from them, but the CA is not reporting yet...yet I say. So should I try and go with FCNB and pay them off as they are still claiming I am current or do you think they will come back with not owning the account anymore. Sorry if confusing....
Also no one is violating anything now, but if I go ahead and pay the CA off then the OC is still reporting CO that is violation correct aren't they mandated to report accurate information?
