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Posts: 11,562
Registered: ‎08-29-2007
Re: Can this be reported on my credit report?

smooshiesmom wrote:
I am hoping to try for a mortgage in the very near future, 2-4 months, and I do not want this to come up on my report. 
It is a letter from a CA for an old Cap 1 account.  The account with Cap 1 was from back in 01or 03 and now shows a balance of 0 on my report, so I assume they sold it to this CA.  But on the back of the letter from the CA it says that
"No credit reporting will occur if the federal reporting period has expired or we have not reported on this account"  It is not on my report as of now so can they add it?  I just received this in the mail the first of April but I pulled my report on May 15 and it is not on there. 

When is the OC scheduled to be removed? If the OC is still showing, it isn't past CRTP.
As far as "can they report after saying they won't" I don't know.
Can you PIF? If so, you might negotiate paying for a letter of promise not to report.
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