https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Help-me-with-this/m-p/1638216#M212007 <P>The balance with Cap 1 is $0 so it seems like the account has been sold.&nbsp; They can still report even though the debt is sold, the only thing you can do is GW them.&nbsp; You would have to PFD the CA that bought the account</P> Thu, 11 Oct 2012 20:43:48 GMT Tay09 2012-10-11T20:43:48Z https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Help-me-with-this/m-p/1638208#M212005 <P>My credit report looks like this..&nbsp;</P><P>&nbsp;</P><P>Closed Accounts</P><P>&nbsp;</P><P>Capital One Bank&nbsp;</P><P>Date opened 5.3.2007</P><P>Balance $0.00</P><P>Date Reported 12.9.2011</P><P>Status Charge- Off</P><P>Date of major delinquency first reported 2.2008</P><P>Date of first delinquency 7.2007</P><P>Type - Credit Card</P><P>&nbsp;</P><P>LVNV Funding LLC</P><P>Date opened 12.30.2011</P><P>Date Reported 9.9.2012</P><P>Date major delinquency first reported 4.2012</P><P>Date of first delinquency 7.2007</P><P>Type - Factoring Company Accound (debt buyer)</P><P>&nbsp;</P><P>Can both of these accounts be reported like this? Since Cap1 is still reporting, would I have better luck getting pfd with them? Should I send to both and see what happens?</P><P>&nbsp;</P><P>&nbsp;</P><P>&nbsp;</P> Thu, 11 Oct 2012 20:40:40 GMT https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Help-me-with-this/m-p/1638208#M212005 Anonymous 2012-10-11T20:40:40Z https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Help-me-with-this/m-p/1638216#M212007 <P>The balance with Cap 1 is $0 so it seems like the account has been sold.&nbsp; They can still report even though the debt is sold, the only thing you can do is GW them.&nbsp; You would have to PFD the CA that bought the account</P> Thu, 11 Oct 2012 20:43:48 GMT https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Help-me-with-this/m-p/1638216#M212007 Tay09 2012-10-11T20:43:48Z https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Help-me-with-this/m-p/1638222#M212009 <P>Yes, they can both report.&nbsp; It's a little over 5 years old, has about 2 more years before it falls off.&nbsp;&nbsp; It appears Cap1 has sold the account since they reporting a $0 balance.</P> Thu, 11 Oct 2012 20:45:17 GMT https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Help-me-with-this/m-p/1638222#M212009 Shogun 2012-10-11T20:45:17Z https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Help-me-with-this/m-p/1638234#M212011 <P>Okay how about this one?</P><P>&nbsp;</P><P>Les Schwab Tire Center</P><P>Date opened 10.13.2009</P><P>Date reported 9.9.2012</P><P>Date of last payment 11.2009</P><P>Date of major delinquency first reported 1.2011</P><P>date of first delinquency 8.2010</P><P>&nbsp;</P><P>Action Collection Service</P><P>Date reported 12.2011</P><P>Date assigned 12.2010</P><P>Creditor: Les Schwab</P><P>Date of first delinquency 9.2010</P><P>&nbsp;</P><P>&nbsp;</P><P>Can they both report like this? And, the date of first delinquency date are different, is that okay to report?</P><P>&nbsp;</P> Thu, 11 Oct 2012 20:49:34 GMT https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Help-me-with-this/m-p/1638234#M212011 Anonymous 2012-10-11T20:49:34Z https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Help-me-with-this/m-p/1638252#M212013 <P>Are they for the same account?&nbsp; DV the CA and see what it's for.&nbsp;&nbsp; Good Luck.&nbsp;</P> Thu, 11 Oct 2012 20:55:45 GMT https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Help-me-with-this/m-p/1638252#M212013 Shogun 2012-10-11T20:55:45Z https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Help-me-with-this/m-p/1638254#M212014 <P>Same account, my husband has ever only had 1 account with them. I will DV and see what they come back with. Thanks!</P><P>&nbsp;</P> Thu, 11 Oct 2012 20:56:50 GMT https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Help-me-with-this/m-p/1638254#M212014 Anonymous 2012-10-11T20:56:50Z https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Help-me-with-this/m-p/1638456#M212032 <P>Oh, the answer to the question concerning the DOFD is No. &nbsp;The DOFD of the CA must match that of the OC or it is considered re-aging of the account.</P> Thu, 11 Oct 2012 23:00:16 GMT https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Help-me-with-this/m-p/1638456#M212032 Shogun 2012-10-11T23:00:16Z https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Help-me-with-this/m-p/1638548#M212041 I sent a pfd to les schqab, if they don't accept Im thinking then do a dv to the ca. Since I already sent the pfd, do you think this would be my next step? Thu, 11 Oct 2012 23:56:12 GMT https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Help-me-with-this/m-p/1638548#M212041 Anonymous 2012-10-11T23:56:12Z https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Help-me-with-this/m-p/1638644#M212049 <P>Sending a PFD to them was a good step. &nbsp;Maybe that account wasn't sold, just assigned. &nbsp;We don't know that yet. &nbsp;If they accept the PFD, then you ask that they pull it back from the CA. &nbsp;This can sometimes be done at the OC's request. &nbsp; If not, then after paid, just GW the CA.</P> Fri, 12 Oct 2012 01:17:33 GMT https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Help-me-with-this/m-p/1638644#M212049 Shogun 2012-10-12T01:17:33Z https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Help-me-with-this/m-p/1638654#M212050 <P>Thank you!</P><P>&nbsp;</P><P>I'm trying to plan my next move incase they dont respond or decline my pfd. I appreciate your help!</P><P>&nbsp;</P> Fri, 12 Oct 2012 01:20:26 GMT https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Help-me-with-this/m-p/1638654#M212050 Anonymous 2012-10-12T01:20:26Z https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Help-me-with-this/m-p/1638692#M212051 <P>That's exactly what we're here for. &nbsp;Crossing my fingers for you. &nbsp;Good Luck!</P> Fri, 12 Oct 2012 01:41:45 GMT https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Help-me-with-this/m-p/1638692#M212051 Shogun 2012-10-12T01:41:45Z