topic Re: Help!!!!!!!! in General Credit Topics

Help!!!!!!!!

Anonymous — Tue, 01 Apr 2008 12:25:42 GMT

I had a Capital One account for $1500 drop off my report earlier this month because it has been 7 years. Now it's back on my TU report as a fresh account and it caused my TU score to drop 134 points. Are they allowed to do this? Is there anything I can do? I just put $$$ down for a house yesterday on a TBD new build. I'm really scared and desperate now, any suggestions?

Re: Help!!!!!!!!

Anonymous — Tue, 01 Apr 2008 12:32:04 GMT

Do you have a hard copy of your old reports that show this account?

What is the DOFD listed? Is it the same company reporting?

If it has been re-aged, then that is illegal.

Re: Help!!!!!!!!

Anonymous — Tue, 01 Apr 2008 12:39:22 GMT

On a previous hardcopy report from TU the "Date Closed" is Dec 2001. On a TU report pulled yesterday the "Date Closed" is March 2008

Re: Help!!!!!!!!

Anonymous — Tue, 01 Apr 2008 12:41:16 GMT

On that TU report does it say something like "This account scheduled to remain until XXXXX"

Does it show DOFD?

Re: Help!!!!!!!!

Anonymous — Tue, 01 Apr 2008 12:49:32 GMT

Previous hardcopy: Date Opened- Jan, 2001

Date of Last Activity- April, 2001

Date Closed- Dec, 2001

Now: Date Opened-Jan, 2001

Date of Last Activity- "Not reported"

Date paid out- "not reported"

Date closed- March, 2008

Re: Help!!!!!!!!

Anonymous — Tue, 01 Apr 2008 12:53:02 GMT

Are these dates reported by a CA or an OC?

You said your TU report, where do you pull that from?

cherno31 wrote:
Previous hardcopy: Date Opened- Jan, 2001
                                Date of Last Activity- April, 2001
                                Date Closed- Dec, 2001
Now: Date Opened-Jan, 2001
          Date of Last Activity- "Not reported"
          Date paid out- "not reported"
          Date closed- March, 2008

Re: Help!!!!!!!!

Anonymous — Tue, 01 Apr 2008 13:14:33 GMT

I pull my score from here. It is reporting as Capital One, but it has been turned over to the Northland Group, but their name is not on my report

Re: Help!!!!!!!!

Anonymous — Tue, 01 Apr 2008 13:22:06 GMT

Either pull your free reports that show scheduled drop off date/DOFD or call the CRA and ask. Sorry, the only advice I can give you. As it appears......it isn't quite past CRTP yet, but I can't be sure by those dates.