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10-11-2012 01:40 PM
My credit report looks like this..
Capital One Bank
Date opened 5.3.2007
Date Reported 12.9.2011
Status Charge- Off
Date of major delinquency first reported 2.2008
Date of first delinquency 7.2007
Type - Credit Card
LVNV Funding LLC
Date opened 12.30.2011
Date Reported 9.9.2012
Date major delinquency first reported 4.2012
Date of first delinquency 7.2007
Type - Factoring Company Accound (debt buyer)
Can both of these accounts be reported like this? Since Cap1 is still reporting, would I have better luck getting pfd with them? Should I send to both and see what happens?
10-11-2012 01:43 PM
The balance with Cap 1 is $0 so it seems like the account has been sold. They can still report even though the debt is sold, the only thing you can do is GW them. You would have to PFD the CA that bought the account
10-11-2012 01:45 PM
Yes, they can both report. It's a little over 5 years old, has about 2 more years before it falls off. It appears Cap1 has sold the account since they reporting a $0 balance.
10-11-2012 01:49 PM
Okay how about this one?
Les Schwab Tire Center
Date opened 10.13.2009
Date reported 9.9.2012
Date of last payment 11.2009
Date of major delinquency first reported 1.2011
date of first delinquency 8.2010
Action Collection Service
Date reported 12.2011
Date assigned 12.2010
Creditor: Les Schwab
Date of first delinquency 9.2010
Can they both report like this? And, the date of first delinquency date are different, is that okay to report?
10-11-2012 01:55 PM
Are they for the same account? DV the CA and see what it's for. Good Luck.
10-11-2012 04:00 PM
Oh, the answer to the question concerning the DOFD is No. The DOFD of the CA must match that of the OC or it is considered re-aging of the account.
10-11-2012 06:17 PM
Sending a PFD to them was a good step. Maybe that account wasn't sold, just assigned. We don't know that yet. If they accept the PFD, then you ask that they pull it back from the CA. This can sometimes be done at the OC's request. If not, then after paid, just GW the CA.
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