Epic Contributor
Posts: 22,066
Registered: ‎10-23-2007

Capital One and new reporting

So had a Capital One Card that was included in my Ch 13.  I dismissed my Ch. 13 a bit ago and recently Capital one went back and took the "Included in Bankruptcy" off the account on my credit and re-reported last month of this year as charged off bad debt which really hurt my credit.  She said I could pay it and they would report it paid in full but they would not remove the remark charged off bad debt.  Would paying it and still having it report charged off really help me gain anymore points?  The one benefit I'm thinking is maybe if I pay it, I would then qualify for a new account since they would not be out any money anymore?

Fico Scores: EQ- 626 Overstck., TU 696 Walmart, EX 695 Chase (11-05-14)
You will have to put up Electric Fence to keep me in the garden!
Highest Limit: Navy Federal Cash Sigi Visa $50k (AU)
Lowest Limit: Target $200
66 Cards and Counting :smileytongue:
Moderator Emeritus
Posts: 16,373
Registered: ‎03-12-2007

Re: Capital One and new reporting

Creditaddict, I have merged your two threads. The discussion can be found here


Thread is locked!!!!

Credit Profile -
FICO 08 Scores (11-08-2014): EQ 818, EX 817, TU 822
All three scores were 850. Lost points for not having an open installment TL. So, BE WARNED!!!!!
Credit History: 26+ years ~ AAoA: 12 years ~ Util: 1% ~ Inqs: EX 1

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