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 775, 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 775, EX "Who Knows?" Quizzle 756
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge
myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.
>> About myFICO
