Cap One non-collection collection accounts & NY FCRA

[Anonymous]

For the NY FCRA rules, do you need to presently be a NY resident, or could you have been a NY resident at the time of the "baddie"?

[Anonymous]

current NY resident, even if you just moved to NY

But if you move away (as I probably will) before the 7 federal (usual) CRTP is up, the deleted accounts could rise from the dead.  I'm hoping that since the OC "deleted", that won't happen if move next year . . .  we'll see.

Message Edited by jesslyn on 08-06-2009 06:20 PM

[bigtim]

I agree with Sidewinder & Robert. The debt does not have to be sent to a collection agency, if it's a CO and paid, the 5 year rule applies. Everything else is irrelevant:

no consumer reporting agency may make any consumer report containing any of the following items of information:

accounts... charged to profit and loss, which have been paid and which antedate the report by more than five years

[Anonymous]

Like I said, pretty crazy that EX disagreed and basically refused to follow NY's FCRA.

But really happy that Cap One took care of the problem!

[gymbo731]

Sorry for getting this Tread going again, but I am in this same sitution. It fits perfect, so thats why I didn't want to start a new one.

Did anyone else have any sucess with a Paid Settled account with Cap 1 that EX refuses to remove? What is the address I can send a letter to for Cap1? Jesslyn, do you have a copy or outline of what you wrote and to whom? Any information would be greatful because I need this off and I want to buy a house soon!