topic Re: Capital One Error on Report... best action to take in Rebuilding Your Credit

Capital One Error on Report... best action to take

Anonymous — Tue, 23 Apr 2013 17:08:06 GMT

This is my first post, but have gained much knowledge from this board!! (Including my first PFD success!!)

I sent a GW letter to Capital One asking them to change/delete the status line on an old CO that reads "bad debt/collection". I paid the card in full in 2009. I opened the card in 2007 and it was CO in 2009. I was horrible with my credit back then and am suffering for it now. I have cleaned up my credit from the high 400's to a TU 662.

Stats on Card:

Opened Sept 2007

Date of Last Activity July 2009

My question is the errors they have on payment history...

30 days- 5 times

60 days - 4 time

90+- 23 times!!! THIS IS NOT PHYSICALLY POSSIBLE! The card was not open long enough for that!!

Who should I dispute first... Capital One or the CRA?? What would be the best route to go?? Help!!

Re: Capital One Error on Report... best action to take

Anonymous — Tue, 23 Apr 2013 17:09:44 GMT

Forgot to mention... I got the standard "we have reviewed and the information reported is correct" from Cap One. I am not sure if the 23 90+ days was a result of someone accidentally updating it when they were reviewing the account or how it ihappened.

Re: Capital One Error on Report... best action to take

Anonymous — Tue, 23 Apr 2013 18:58:33 GMT

I would assume it is from your Equifax report? I will PM you a link that may explain what could be going on. I bet if you look at your EQ credit report that it may not have more than one 90 day late reported.

I have a Cap One with the same thing 16 times 90 day late from my FICO EQ report but when I look at my mailed copy of my actual EQ report it just has the 30 60 90 120 150 CO.