Bank of America and Capital One help please!

Anonymous — Sat, 05 Jul 2008 18:08:24 GMT

Hi,

I love this site. I recently found it and have started the process of rebuilding my credit. I got all 3 of my credit reports and scores (Fakos- I think) and have disputed some things that were wrong, accounts that had been paid and that I was an authorized user on.

I also had no credit cards on my reports so I applied for a few and received the Hooters, Target and Orchard bank cards that I am going to use to help reestablish myself as credit worthy.

I have sent letters to collection agencies asking them to validate debts but I am not sure what to about my previous Bank of America and Capital Credit cards. They were both charged off and I have been getting collection agency letters but they are still the one's listed on my credit reports with the balances and debts.

Should I write to them asking them to validate these debts as I dispute the amounts owed? Or what can I do? Please help me as I am confused and feel like this is a huge obstacle in my road, as they are my largest and most detrimental cards on my cr.

If you need any additional info please ask.

Thanks.