Thanks to this board and the people who have so generously offered their expertise, I am down the final 2 negative items remaining on my CR's.
I have a CO from Capital One (formally Household Bank). The CO amount was $239, DOFD was 11/2006. It was bought by Midland and Midland is
reporting a balance of $813! I know this account is past SOL and is should be falling off soon, but love to just get it off!
My question...Should I send a PFD to Midland for the original CO amount of $239? Would that be a good place to start? I am really hesitant to
wake a sleeping giant, so any help would be greatly appreciated!!
Thanks!
Starting Score: EQ 546 EX 560 TU 568
Yes it is old and getting older. I would advise settling it so it doesn't show up with a bottom feeder. Send a PFD for $150 or so and see what they reply back with.
Starting Score: 504
Current Score: EQ FICO 819, TU08 778, EX "Who Knows?" Quizzle 756
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge
No, a CA can't change the DOFD so it would not change. Plus, it has a contingency, if they agree to it, then it's gone anyway.
Starting Score: 504Current Score: EQ FICO 819, TU08 778, EX "Who Knows?" Quizzle 756
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge
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