@adamkingadam wrote:I have a cap one account that is showing on my myfico pulled report with equifax showing up as a charge off (this was over four years ago) yet i am still getting 90+ day dings each month showing up on my credit report. As a charge off and closed account, shouldnt I not be getting 90 day marks added each month? Who would I contact about this? I don't want to call cap one as this will start the SOL all over again which I believe has expried!
Thank you!
If its an unpaid CO they can continue to report it every month until its either excluded from your report at 7,5 yrs from the DoFD or you settle it at which time it will update to a paid CO. Talking to Cap-1 will not restart the SOL in most states that would require a new written promise to pay.
