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Valued Member
Watts
Posts: 32
Registered: ‎10-10-2012

Help me with this...

My credit report looks like this.. 

 

Closed Accounts

 

Capital One Bank 

Date opened 5.3.2007

Balance $0.00

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?

 

 

 

Regular Contributor
Tay09
Posts: 116
Registered: ‎09-02-2012

Re: Help me with this...

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

Moderator
Shogun
Posts: 12,875
Registered: ‎04-15-2011

Re: Help me with this...

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.


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Valued Member
Watts
Posts: 32
Registered: ‎10-10-2012

Re: Help me with this...

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?

 

Moderator
Shogun
Posts: 12,875
Registered: ‎04-15-2011

Re: Help me with this...

Are they for the same account?  DV the CA and see what it's for.   Good Luck. 


Starting Score: 504

July 2013 score: EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+

Take the myFICO Fitness Challenge

Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!
Valued Member
Watts
Posts: 32
Registered: ‎10-10-2012

Re: Help me with this...

Same account, my husband has ever only had 1 account with them. I will DV and see what they come back with. Thanks!

 

Moderator
Shogun
Posts: 12,875
Registered: ‎04-15-2011

Re: Help me with this...

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.


Starting Score: 504

July 2013 score: EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+

Take the myFICO Fitness Challenge

Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!
Valued Member
Watts
Posts: 32
Registered: ‎10-10-2012

Re: Help me with this...

I sent a pfd to les schqab, if they don't accept Im thinking then do a dv to the ca. Since I already sent the pfd, do you think this would be my next step?
Moderator
Shogun
Posts: 12,875
Registered: ‎04-15-2011

Re: Help me with this...

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.


Starting Score: 504

July 2013 score: EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+

Take the myFICO Fitness Challenge

Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!
Valued Member
Watts
Posts: 32
Registered: ‎10-10-2012

Re: Help me with this...

Thank you!

 

I'm trying to plan my next move incase they dont respond or decline my pfd. I appreciate your help!

 


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