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I have two old Capital One Accounts. Both due to come off in Dec 2009, however trying to get a mortgage now and need to work on this. One is for $2k and one is for $1600.00 and I wanted to contact Capital One to try to negotiate a settlement. Capital One advised me they no longer have the account and referred me to NCO financial services. I just want to make sure I am correct, if Capital One no longer has the account, shouldnt the Capital One Accounts on my credit report show a zero balance? I have a third account from Capital One that was transferred to a collection agency and it is reflecting a zero balance.
Of course tried to contact NCO, they can not find me in the system. I disputed the balance with the CRA's but should I continue to pursue which collection agency has it or should I wait to see what happens with the dispute. I need to take care of this immediately as I have 30 days, from reading the forums I see Capital One does not do PFD.