I have an account(think I've mentioned it before) with FCNB that was included in my BK in 1998. The DOLA on it was actually late 1996. It was reporting charged off with a balance and I disputed it many times. I finally got them on a good day and they screwed up and reported it "paid/never late" AND they reaged it so that it said it would stay on my CR until 2012. Then my husband's CR changed it to charged off/never late. I diputed his and it was updated. About a week later mine was changed to "paid due to being sold or transferred." This reports as a derog but the kept the reaged date of 2002 so I have a neg for the next 10 years. I disputed it again and called FCNB. They said that they sent a letter stating that it was included in the BK AGAIN. Well, Experian just verified it even though they admit to getting a letter from FCNB. What can I do. I am leaving town for 6 weeks soon and really wanted this cleared up without a lawsuit. Thanks for hearing my vent. Kim
