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Follow Up -
Capital One finally reported this one as
Account paid for less than full balance,
Charged off account
Date Reported 1/6/13.
i'd like to add i have scorewatch and of course it hasn't triggered on this yet. I'd think removal of my only past due balance that was affecting my CC utilization by 4k pushing me over 100% utilization would produce some sort of a score change.
But what do i know, i just waste 15 bucks a month.