C/O with Orchard-HSBC....can I get Cap1 ?

[awdsmama]

Since Cap 1 now owns Orchard/HSBC........will COs with Orchard-HSBC make getting Cap1 secured or unsecured harder?

[Jutz]

Paid or unpaid?

[awdsmama]

They are correctly reporting a zero balance on the HSBC tradelines.  They are unpaid though.

I called HSBC to inquire about payment.   They informed me they do not own the account any longer and to call Cap 1. 

I called Cap 1.  They said they do not own the debt and to contact Portfolio.

Portfolio sent me a letter in 2011 that they were deleting from my TL and ceasing collection activity. 

I need to call them to find out if they still own it or not, but I want to find the letters first and I dont know which box they are in from when I moved recently LOL....time to start digging!

If they don't then I don't even know HOW to pay it off!