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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"?
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.
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
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!
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!