So I had an auto loan with capital one that was paid off back in 2008. It was charged off but paid off the following month. I originally contacted them back in March of 2011 because it wasnt reporting paid and they then said they deleted the entire tradeline, Fast Forward to this year. I notice that it was no longer on Transunion and Experian but still lingering on Equifax as unpaid. I call them again and they are super friendly and say they will take care of it. So I get an alert this morning telling me the the account status of one of my accounts has changed, so naturally I rush and check in a very excited manner(may have appeared like a drug addict to outsiders) and what I found is that it now reports as paid, only problem, It reports as paid for the last 4 years! So not only did they not delete, they made it look as though it took me 10 years to pay off a 5 year loan! Anyone have any spectacular contacts for capital one that may help me in a simple and speedy deletion?
