New Member
Posts: 37
Registered: ‎06-16-2012
Re: Capital One Card

It's illegal for a bureau to report any delinquent CC account past 7 years from the delinquency, CO's are insignificant, it's the first negative payment that triggers 7 years and if the bureaus don't show the drop they will as soon as you complain to them the delinquency is OVER 7 years, so the bureaus will clean it up as soon as you complain

that account is dead 7 years after it goes first delinquency unless you pay on it, that's the trigger, within that account when they charge it off or whatever is insignificant, the law is 7 years on delinquent accounts so october it drops and if not, you certified maill a complaint to all 3 bureaus after you file complaints on line and it will drop fast

Ghost in Bureau's from 1987 to 2010 (lot's of money no need for credit)
0 2010 in Bureaus
750 average beacon 2012
850 goal