@sharriel wrote:Ok, do I have a leg to stand on with the differences below?
HSBC BANK Hide Details XXXX 11/11/2005 $0 07/25/2013
CHARGE-OFF $300 CAPITAL ONE PO Box 5253 Carol Stream, IL-601975253 (800) 477-6000
Account Number: XXXXX
Status: CHARGE-OFF
Account Owner: Individual Account.
High Credit: $550
Type of Account Revolving loans have an amount owed which varies from month to month, like a credit card.:
Revolving Credit Limit: $300
Term Duration:
Terms Frequency: Monthly (due every month) Date Opened: 11/11/2005 Balance: $0
Date Reported: 07/25/2013
Amount Past Due:
Date of Last Payment: 06/2007
Actual Payment Amount: $20
Scheduled Payment Amount: $0
Date of Last Activity: N/A
Date Major Delinquency First Reported: 10/2007
Months Reviewed: 26 Creditor Classification:
Activity Designator: Transfer/Sold
Charge Off Amount:
Deferred Payment Start Date:
Balloon Payment Amount:
Balloon Payment Date:
Date Closed:
Type of Loan: Credit Card Date of
First Delinquency: 01/2007
Comments: Account closed at consumers request, Paid charge off
PORTFOLIO RECOVERY A Hide Details HSBC-XXXX 12/25/2007 $0 07/25/2013 COLLECTION ACCOUNT
PORTFOLIO RECOVERY ASSOC Riverside Commerce Center 120 Corporate Blvd Ste 100 Norfolk, VA-235024962 Account Number: XXXX Status: COLLECTION ACCOUNT
Account Owner: Individual Account.
High Credit: $550
Type of Account :
Open Credit Limit:
Term Duration:
Terms Frequency:
Date Opened: 12/25/2007
Balance: $0
Date Reported: 07/25/2013
Amount Past Due:
Date of Last Payment: 03/2008
Actual Payment Amount: $367
Scheduled Payment Amount:
Date of Last Activity: N/A
Date Major Delinquency First Reported: 02/2008
Months Reviewed: 4
Creditor Classification:
Retail Activity Designator: N/A
Charge Off Amount:
Deferred Payment Start Date:
Balloon Payment Amount:
Balloon Payment Date:
Date Closed:
Type of Loan: Factoring Company Account (debt buyer)
Date of First Delinquency: 01/2007
Comments: Account paid for less than full balance, Paid collection
Looks like Portfolio just updated the TL to reflect that it is settled... I would do as Da Bears recommends and fax the letter of deletion to CRA if not deleted by the 60 deadline. As far as the HSBC TL, You could try to goodwill them to see if they will delete early, but if not, if will fall off by July 2014 
Just call Portfolio and ask to speak to someone in the office of general counsel, that's where all the PFD letters are forwarded to.
