Lanier should not be reporting on anything anymore IMHO, but you would need to see the exact DOLA or DOFD from a FACTA report or straight from the tap pull at EQ. Paying it off would not re-age anything legally... but my first course of action would be a DV letter to them if they contact you after all of this stuff falls off. I wouldn't play with it just yet and you might not need to, but you certainly can pay sometime in the future if you acknowledge the debt... either to the OC if they still own it, or to Lanier. That's another bridge to cross if the time comes. Cap1 used to not report limits. Being that you at some point went over limit, it would look better if they did report the $300 CL. Was the 30 day late the only late (reported or not) and was it an error? Since you have 2 cards with them now, it might be best to try to have them fix this on their end as a customer courtesy. I'd start with a phone call but only if this will not cause hidden baddies to start reporting. Whatever NCO is trying to collect, it seems like it is past SOL and they should not be trying to collect this. Send them a DV letter CMRRR and retain whatever they have sent you. Don't talk to them regarding this, just send the DV. With WaMu, I think they used to use Universal Default. All you could have done would be to decline any APR increase if this was not the case, but that would have resulted in you needing to close the card. Can you list your current cc's with CL and current balance? Also, what are your FICO scores? We can help see what you might be able to do to avoid a CCCS.
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