Target Store CC CO $0 balance

MysticcalFX · ‎01-26-2015

Hi Everyone,

I have an old Target CC TL that was sold off and is at $0 balance right now. I noticed that they sold their operations to TD Bank.

Is there anything I can do with this? I'd like to have it deleted if possible. Could I DV the Chargeoff or GW TD Bank or something?

gdale6 · ‎01-26-2015

@MysticcalFX wrote:
Hi Everyone,

I have an old Target CC TL that was sold off and is at $0 balance right now. I noticed that they sold their operations to TD Bank.

Is there anything I can do with this? I'd like to have it deleted if possible. Could I DV the Chargeoff or GW TD Bank or something?

You would need to send GW letters to the reporting entity.

RobertEG · ‎01-26-2015

If you mean that the OC is reporting $0 balance, that does not signify that the debt was paid.

It signifies only that the debt balance owed to the OC is $0.

If the new owner obtained title via purchase of the entire assets of the OC, then they also became responsible for any prior reporting made by the OC, and thus could possibly agree to deletion of that reporting via a PFD offer.