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nfg wrote:I just curious, when I contacted cap1 the other day to find out the correct ca info, they refused to talk to me about this account other than talk to the ca. If they have been paid by the ca for this supposed account, then why are they still allowed to report this account as open on my credit report with 4 yrs of 150+ days late?
Message Edited by nfg on 11-16-2007 05:07 AM
Isn't it too bad that there's no penalty for them 'applying' for your business with the pre-approval offers? It would be great if the guys in the marketing departing are saying "should we send nfg the pre-approval?" and a co-worker says "I only want to use an inquiry if I know she'll take us!" :-D
nfg wrote:Thank you for your replies. I'm not sure how they can't get away with this either. What I do know is what won't be in my wallet when my credit is better. I am writing down everyone that has denied me within the last six months and I am going to try my hardest to never have an account with them. When and If I get any pre-approval offers in the mail, I'll write THEM a letter stating the reason why I won't do business with them. Let them go F*** themselves.
My gf is currently disputing with TU on the Credit One account that was charged off. She did an online dispute and checked (i think) 'transferred to another company' and 'incorrect past due balance'. Something to that effect, indicating that it was sold with a $0 balance. She hasn't heard back yet, so I don't know if it'll work.
nfg wrote:I wonder what would happen if I wrote the credit bureaus stating that I wanted the account updated to charged off since it was sold to a ca. It's amazing when I call about this account that they swear is mine, they refuse to talk to me, but the credit bureaus are able to verify it over the computer.