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If the charged-off accounts were still owned by the OC and only referred to a debt collector, deletion on one or more CRAs could signifiy that they may have sold the debt, and no longer wish to monitor the credit reporting to multiple CRAs.
Did they recently sell the debt?
they just removed two accoutns for me as well. CAp1 sold the accounts two years ago to pfa.
I have a similar situation. Capital One removed 3 charge-off accounts from EQ and TU. I didn't dispute or goodwill any of them. My opinion is that they were removed by CAP1 because they were 1 month past SOL. However, EX still has all 3 listed. So CAP1 decided to remove them from just EQ and TU (unlikely) or EX is just slow to remove them.
In looking at my EX CR, they do not list a drop off date, ex: "This account is scheduled to continue on record until XXXXXX" for these 3 accounts. I am hopeful they will be gone from EX soon.
@Anonymous wrote:
I looked at my reports today and it shows my 2 capital one charge offs from 2013 are gone on equifax and transunion. I have not done anything to trigger these. I do have 3 new accounts with them now in the past 6 months. Not sure if that has anything to do with it. They both are with portfolio recovery which I'm going to attempt PFDs on in the next few months. Small balances of 500 and 800. Heard they are tough to work with.
On experian do you know if I should just wait to see if they remove those or how do I go about that with out bringing up a can of worms and possibly having it come back on the other 2 reports???
OP, I had a similar recent experience with regard to a Cap One charge-off from 2013. It was scheduled to stay on my reports until 2020, but within a few weeks of having paid off this C/O in its entirety to Cach LLC (the collection agency to which the debt had been sold), the tradeline was removed from EQ and TU without requesting it (though I did intend to send GW letters to them last month). I, too, have a few new accounts in good standing with Cap One, so perhaps that does have something to do with it. It never dropped off of my EX report, so I recently disputed the TL on the basis of prior balances having been reported incorrectlym which was, in fact, a valid dispute. They deleted the TL from EX within the week. Hopefully you will have similar success! Best of luck to you!