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kbork



Joined: 02 Jun 2010
kbork's page
Posts: 4



79 Magic Points

Subject: Capitol One Account
 
Posted on Sat Jun 05, 2010 12:41 pm  

On my credit report, I have listing for a Capitol One account that was sold to NCO financial. NCO financial is not on my report, but the Capital One is and shows a "0" balance "sold to a collection agency." The posting will be removed from my account in 3 years, and the SOL has passed.

I would like to find a way to clear this from my record, if possible. Are there any negatives that could happen by my filing a request for debt validation with Capitol One? Does anyone have any other suggestions?

Thanks,
Kitty
goodnatured



Joined: 03 Nov 2007
goodnatured's page
Posts: 3931



490 Magic Points

 
Posted on Sun Jun 06, 2010 2:36 am  

You need to file a dispute with the credit reporting agency, let them know also that the statute of limitations has expired, they may remove it on the spot or they will do an investigation. File the dispute and they will act on it.
Aaron

Aaron

Joined: 08 Feb 2010
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Posts: 2632



48565 Magic Points

Subject: capital one account
 
Posted on Mon Jun 07, 2010 8:47 am  

Hi kbork,

Yes, goodnatured is right. You need to file a dispute with the credit bureaus. Write a dispute letter in reference to the account. Mention that the Statute of Limitations on this account has expired.

You will get a sample dispute letter to be sent to the bureaus, with this forum. You can use that to write one of your own, and send the letter through certified mail, requesting a return receipt.

Thanks,

Aaron
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kbork



Joined: 02 Jun 2010
kbork's page
Posts: 4



79 Magic Points

Subject: Capitol One Account
 
Posted on Mon Jun 07, 2010 11:45 am  

Thanks goodnatured and Aaron for your help!
Aaron

Aaron

Joined: 08 Feb 2010
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Posts: 2632



48565 Magic Points

Subject: reply
 
Posted on Mon Jun 07, 2010 11:55 am  

Hi,

Hope that you will be able to solve this problem as soon as possible.

Thanks,

Aaron
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