Credit Card Center Advertiser Disclosure†
01-09-2013 07:10 AM
I just got off the phone with Capital One about an old charge off account that was sold to Midland Funding in 2009. I have called a few times and keep getting stonewalled about trying to get a GW deletion from my credit report. They keep telling me that I need to contact Midland Funding.
What I am trying to figure out is this. Midland Funding is not reporting anything to my credit report.
Has anyone had any success with getting Capital One to delete a charge off from their credit report? Or in this situation am I better off waiting for it to fall off since Midland Funding is not reporting?
01-09-2013 07:37 AM
Are you certain it's not on any of your three reports? That is the place to check first, though it's reasonable I think to ask which bureau they're seeing it on so you don't need to pull all three.
01-09-2013 07:45 AM
Capital One is reporting it as a charge off on all 3. Midland is not reporting on any of the 3.
Moving this over to rebuilding; something may be wonky in the data, C1 may be pulling the wrong report, or you're not seeing the CO on the services you're checking. Personally I think it's reasonable in this case to pull one (or maybe all if it comes to it) off annualcreditreport, but I'm not an expert when it comes to resolving this sort of issue.
01-09-2013 09:38 AM - edited 01-09-2013 09:40 AM
I had this same issue with Capital One, but mine was suppose to be IIB. I kept telling them this and they kept redirecting me to collection agency. I call collection agency and they told me it was sent back to Capital One, and they did have it for 9 months, but sent it back. After speaking to nearly 6 people in several different departments, I got frustrated and filed a complaint with bbb and spoke to someone from executive office and they finally updated the account to IIB, only today I found out it is still showing on my experience as not paid, but $0 balance. I sent an email to bbb for contact information for the person I spoke to. How old is the account? Have you contacted collection agency?
Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.† Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
* For complete information, see the terms and conditions on the credit card issuer’s website. Once you click apply for this card, you will be directed to the issuer’s website where you may review the terms and conditions of the card before applying. While myFICO always strives to present the most accurate information, we show a summary to help you choose a product, not the full legal terms - and before applying you should understand the full terms of products as stated by the issuer itself.
IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more
FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.