http://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Help-me-with-this/m-p/1638216#M212007 <p>The balance with Cap 1 is $0 so it seems like the account has been sold.  They can still report even though the debt is sold, the only thing you can do is GW them.  You would have to PFD the CA that bought the account</p> Thu, 11 Oct 2012 20:43:48 GMT Tay09 2012-10-11T20:43:48Z http://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Help-me-with-this/m-p/1638208#M212005 <p>My credit report looks like this.. </p><p> </p><p>Closed Accounts</p><p> </p><p>Capital One Bank </p><p>Date opened 5.3.2007</p><p>Balance $0.00</p><p>Date Reported 12.9.2011</p><p>Status Charge- Off</p><p>Date of major delinquency first reported 2.2008</p><p>Date of first delinquency 7.2007</p><p>Type - Credit Card</p><p> </p><p>LVNV Funding LLC</p><p>Date opened 12.30.2011</p><p>Date Reported 9.9.2012</p><p>Date major delinquency first reported 4.2012</p><p>Date of first delinquency 7.2007</p><p>Type - Factoring Company Accound (debt buyer)</p><p> </p><p>Can both of these accounts be reported like this? Since Cap1 is still reporting, would I have better luck getting pfd with them? Should I send to both and see what happens?</p><p> </p><p> </p><p> </p> Thu, 11 Oct 2012 20:40:40 GMT http://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Help-me-with-this/m-p/1638208#M212005 Watts 2012-10-11T20:40:40Z http://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Help-me-with-this/m-p/1638216#M212007 <p>The balance with Cap 1 is $0 so it seems like the account has been sold.  They can still report even though the debt is sold, the only thing you can do is GW them.  You would have to PFD the CA that bought the account</p> Thu, 11 Oct 2012 20:43:48 GMT http://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Help-me-with-this/m-p/1638216#M212007 Tay09 2012-10-11T20:43:48Z http://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Help-me-with-this/m-p/1638222#M212009 <p>Yes, they can both report.  It's a little over 5 years old, has about 2 more years before it falls off.   It appears Cap1 has sold the account since they reporting a $0 balance.</p> Thu, 11 Oct 2012 20:45:17 GMT http://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Help-me-with-this/m-p/1638222#M212009 Shogun 2012-10-11T20:45:17Z http://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Help-me-with-this/m-p/1638234#M212011 <p>Okay how about this one?</p><p> </p><p>Les Schwab Tire Center</p><p>Date opened 10.13.2009</p><p>Date reported 9.9.2012</p><p>Date of last payment 11.2009</p><p>Date of major delinquency first reported 1.2011</p><p>date of first delinquency 8.2010</p><p> </p><p>Action Collection Service</p><p>Date reported 12.2011</p><p>Date assigned 12.2010</p><p>Creditor: Les Schwab</p><p>Date of first delinquency 9.2010</p><p> </p><p> </p><p>Can they both report like this? And, the date of first delinquency date are different, is that okay to report?</p><p> </p> Thu, 11 Oct 2012 20:49:34 GMT http://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Help-me-with-this/m-p/1638234#M212011 Watts 2012-10-11T20:49:34Z http://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Help-me-with-this/m-p/1638252#M212013 <p>Are they for the same account?  DV the CA and see what it's for.   Good Luck. </p> Thu, 11 Oct 2012 20:55:45 GMT http://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Help-me-with-this/m-p/1638252#M212013 Shogun 2012-10-11T20:55:45Z http://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Help-me-with-this/m-p/1638254#M212014 <p>Same account, my husband has ever only had 1 account with them. I will DV and see what they come back with. Thanks!</p><p> </p> Thu, 11 Oct 2012 20:56:50 GMT http://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Help-me-with-this/m-p/1638254#M212014 Watts 2012-10-11T20:56:50Z http://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Help-me-with-this/m-p/1638456#M212032 <p>Oh, the answer to the question concerning the DOFD is No.  The DOFD of the CA must match that of the OC or it is considered re-aging of the account.</p> Thu, 11 Oct 2012 23:00:16 GMT http://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Help-me-with-this/m-p/1638456#M212032 Shogun 2012-10-11T23:00:16Z http://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Help-me-with-this/m-p/1638548#M212041 I sent a pfd to les schqab, if they don't accept Im thinking then do a dv to the ca. Since I already sent the pfd, do you think this would be my next step? Thu, 11 Oct 2012 23:56:12 GMT http://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Help-me-with-this/m-p/1638548#M212041 Watts 2012-10-11T23:56:12Z http://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Help-me-with-this/m-p/1638644#M212049 <p>Sending a PFD to them was a good step.  Maybe that account wasn't sold, just assigned.  We don't know that yet.  If they accept the PFD, then you ask that they pull it back from the CA.  This can sometimes be done at the OC's request.   If not, then after paid, just GW the CA.</p> Fri, 12 Oct 2012 01:17:33 GMT http://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Help-me-with-this/m-p/1638644#M212049 Shogun 2012-10-12T01:17:33Z http://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Help-me-with-this/m-p/1638654#M212050 <p>Thank you!</p><p> </p><p>I'm trying to plan my next move incase they dont respond or decline my pfd. I appreciate your help!</p><p> </p> Fri, 12 Oct 2012 01:20:26 GMT http://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Help-me-with-this/m-p/1638654#M212050 Watts 2012-10-12T01:20:26Z http://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Help-me-with-this/m-p/1638692#M212051 <p>That's exactly what we're here for.  Crossing my fingers for you.  Good Luck!</p> Fri, 12 Oct 2012 01:41:45 GMT http://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Help-me-with-this/m-p/1638692#M212051 Shogun 2012-10-12T01:41:45Z