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New Member
Posts: 1
Registered: ‎11-09-2012

oc and ca on cr. How can I pfd w/CA and some how remove OC?

My CR has the OC and CA on the report. I can pfd w/CA, but how can I remove the OC?

Established Contributor
Posts: 505
Registered: ‎11-05-2012

Re: oc and ca on cr. How can I pfd w/CA and some how remove OC?

Send a GW making some nice sad story lol

10/2012 Started with 588 EQ Fico score and 20+ CA and CO
1750$ total CL
10/2013 in 700 Club
Personal :Total CL 196K
Business : Total CL 200K
Business LOC : 1M
Garden From 10/13/2013
Valued Contributor
Posts: 1,228
Registered: ‎05-10-2012

Re: oc and ca on cr. How can I pfd w/CA and some how remove OC?

Are both reporting a balance?

  • Current: EQ FICO 706, TU FICO 701, EX FICO 706 | Starting Score: 525 (05/2012)
  • Starting total revolving credit: $1100 | Current total revolving credit: $36,700
  • Inquiries (12 Months): EQ 2 TU 1 EX 1 | Most Recent: 1/21/2014
Chase Freedom $9500
DCU Visa $10000
Capital One QS $2000
AMEX BCE $3000
Lowe's CC $8500
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New Member
Posts: 1
Registered: ‎11-09-2012

Re: oc and ca on cr. How can I pfd w/CA and some how remove OC?

no, just the ca.

Posts: 13,897
Registered: ‎04-15-2011

Re: oc and ca on cr. How can I pfd w/CA and some how remove OC?

The OC no longer has claim to the debt, it has been sold to the CA.  The PFD with the CA will still be a good thing, however it will not affect the reporting of the OC.  You will have to send a GW in an attempt to remove them.  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!

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