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I had a Capital one account in good standing back in 2005. This however was deleted from my credit report when I hired an attorney to remove negative items. I would like to get this good standing mark back on my report since I need the history.
Any idea what I can do? Is Capital One suppose to keep old records? After seven years?
@09Lexie wrote:
Welcome to the forum!
once an account is closed and deleted the CRA will not repost unless the cc requests the tl added. I doubt if cap one would update this account for you as a TL. It isn't to their benefit.
Good luck!
+1
If the TL has met the credit reporting guidelines (adhering to the FCRA) and being that it was closed and deleted It will not be re-added. Once that history is gone, it is gone for good.
@hoodun wrote:I had a Capital one account in good standing back in 2005. This however was deleted from my credit report when I hired an attorney to remove negative items. I would like to get this good standing mark back on my report since I need the history.
Any idea what I can do? Is Capital One suppose to keep old records? After seven years?
That's ashame...but I hope that in the balance the lawyer did more good than harm...
The lawyer was able to get all the negative stuff off my report, though I would not have done it again looking back. In the time it took for him to do so, I only had an extra two years where all that info would have been deleted at the 7 year mark. Being that my credit history was short, I could not get a decent loan or cc anyway. It also really hurt my score when that old good standing card was removed. So it was not worth it.
edit by webhopper
@hoodun wrote:The lawyer was able to get all the negative stuff off my report, though I would not have done it again looking back. In the time it took for him to do so, I only had an extra two years where all that info would have been deleted at the 7 year mark. Being that my credit history was short, I could not get a decent loan or cc anyway. It also really hurt my score when that old good standing card was removed. So it was not worth it.
edit by webhopper
Just a case of live and learn best wishes