I really need some advice on settled less than full balance account, paid charge off, and paid account zero balance, that are on my reports. Capital One- Settled -less than full balance opened 96 closed 97 status 12/97 payment after charge off/collection Providian- 30 days past due 01 times;60 days past due 01;90 days past due 03 Account closed by consumer Paid charge off Assoc/Citi- SD 30 days past due 00;60 days02;90 days 02 settlement accepted on this account paid account/zero balance I have sent validation letters on each account, and the "nutcase letter". Capital One and Assoc/Citi have each verified the accounts with the CRA's. No response to my letters. Providian has not verified, CRA's are requesting more time to verify. Providian has sent me a letter asking for more time. What should be my next step? I would really appreciate some help. PsychDoc gave me some links to look at. But I'm not sure these accounts apply.
Please, anyone have suggestions, I'm writing some letters right now on other stuff, would like some advice! Anyone?
