New Member
Posts: 11
Registered: ‎04-21-2013
Old CC Account Statment

I had a Capital one account in good standing back in 2005. This however was deleted from my credit report when I hired an attorney to remove negative items. I would like to get this good standing mark back on my report since I need the history.

 

Any idea what I can do? Is Capital One suppose to keep old records? After seven years?

Moderator
Posts: 27,204
Registered: ‎09-13-2012
Re: Old CC Account Statment
Welcome to the forum!

once an account is closed and deleted the CRA will not repost unless the cc requests the tl added. I doubt if cap one would update this account for you as a TL. It isn't to their benefit.

Good luck!
Senior Contributor
Posts: 11,485
Registered: ‎10-21-2012
Re: Old CC Account Statment

09Lexie wrote:
Welcome to the forum!

once an account is closed and deleted the CRA will not repost unless the cc requests the tl added. I doubt if cap one would update this account for you as a TL. It isn't to their benefit.

Good luck!

+1

If the TL has met the credit reporting guidelines (adhering to the FCRA) and being that it was closed and deleted It will not be re-added.  Once that history is gone, it is gone for good.

Valued Contributor
Posts: 1,599
Registered: ‎11-10-2012
Re: Old CC Account Statment

hoodun wrote:

I had a Capital one account in good standing back in 2005. This however was deleted from my credit report when I hired an attorney to remove negative items. I would like to get this good standing mark back on my report since I need the history.

 

Any idea what I can do? Is Capital One suppose to keep old records? After seven years?


That's ashame...but I hope that in the balance the lawyer did more good than harm...Smiley Frustrated

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New Member
Posts: 11
Registered: ‎04-21-2013
Re: Old CC Account Statment
[ Edited ]

The lawyer was able to get all the negative stuff off my report, though I would not have done it again looking back. In the time it took for him to do so, I only had an extra two years where all that info would have been deleted at the 7 year mark. Being that my credit history was short, I could not get a decent loan or cc anyway. It also really hurt my score when that old good standing card was removed. So it was not worth it. 

 

edit by webhopper

Member
Posts: 30,743
Registered: ‎02-07-2013
Re: Old CC Account Statment

hoodun wrote:

The lawyer was able to get all the negative stuff off my report, though I would not have done it again looking back. In the time it took for him to do so, I only had an extra two years where all that info would have been deleted at the 7 year mark. Being that my credit history was short, I could not get a decent loan or cc anyway. It also really hurt my score when that old good standing card was removed. So it was not worth it. 

 

edit by webhopper


Just a case of live and learn best wishes

Before you app think...
Have you done your research of the CC?
Does it fit your spending?
Do you have a plan for the bonus w/o going into debt?
Can you afford the AF?
Do you know the cards benefits? Is it worth the HP?