topic Capital One and Equifax Someone Please Help Me Get Through To Them or Explain This To Me in Rebuilding Your Credit

Capital One and Equifax Someone Please Help Me Get Through To Them or Explain This To Me

Anonymous — Sat, 17 Oct 2015 05:08:00 GMT

I did have 4 Capital One accounts reporting from a Chapter 13 Bankruptcy from 2010. They all had wrong information at various times and I have been slowly getting my credit reports to show the correct information. I disputed all of them. I got lucky and 2 of them have been deleted from my report even though it was about a year early as far as I can tell.

The remaining 2 Capital One accounts have wrong information. I filed my Chapter 13 in February 2010 and completed my case and was discharged in August of this year. Capital One did get paid some of what I owed them. I am not sure of the exact amount . They have these 2 accounts reporting as being included in bankruptcy. Since this is correct I have no problem with that. Here is what is on my Equifax report for dates opened etc.

Account #1 Date opened 8/1/05, Date Reported 9/1/15, Last Payment 6/15 which is correct. First Delinquency 10/09, Date of 1st Major Delinquency 8/20/15.

Account #2 Date opened 9/1/08, Date Reported 9/1/15, Date of Last Payment 6/20/15 again this is correct, Date of First Delinquency 2009, Date of 1st Major Delinquency 8/20/15.

This makes it look like I have recent delinquencies. I have disputed these twice already. The latest reply from Equifax was that the date of last activty was reported as correct by Capital One. I filed these disputes on-line. I have in the past faxed and or mailed copies of my bankruptcy schedules as well as the discharge papers to Equifax. How do I proceed from here? If they don't fix this will these accounts drop off in early 2017 once I hit the 7 year mark. Will it be 7 years from the 1st Major Delinquency?

This is so frustrating makes you want to scream or say hello to Ben and Jerry.

I have gotten back in Capital One's good graces with another chance so I do not want to aggrevate them but want this fixed.

Re: Capital One and Equifax Someone Please Help Me Get Through To Them or Explain This To Me

Anonymous — Sat, 17 Oct 2015 05:49:26 GMT

@Anonymous wrote:
I did have 4 Capital One accounts reporting from a Chapter 13 Bankruptcy from 2010. They all had wrong information at various times and I have been slowly getting my credit reports to show the correct information. I disputed all of them. I got lucky and 2 of them have been deleted from my report even though it was about a year early as far as I can tell.

The remaining 2 Capital One accounts have wrong information. I filed my Chapter 13 in February 2010 and completed my case and was discharged in August of this year. Capital One did get paid some of what I owed them. I am not sure of the exact amount . They have these 2 accounts reporting as being included in bankruptcy. Since this is correct I have no problem with that. Here is what is on my Equifax report for dates opened etc.

Account #1 Date opened 8/1/05, Date Reported 9/1/15, Last Payment 6/15 which is correct. First Delinquency 10/09, Date of 1st Major Delinquency 8/20/15.

Account #2 Date opened 9/1/08, Date Reported 9/1/15, Date of Last Payment 6/20/15 again this is correct, Date of First Delinquency 2009, Date of 1st Major Delinquency 8/20/15.

This makes it look like I have recent delinquencies. I have disputed these twice already. The latest reply from Equifax was that the date of last activty was reported as correct by Capital One. I filed these disputes on-line. I have in the past faxed and or mailed copies of my bankruptcy schedules as well as the discharge papers to Equifax. How do I proceed from here? If they don't fix this will these accounts drop off in early 2017 once I hit the 7 year mark. Will it be 7 years from the 1st Major Delinquency?

This is so frustrating makes you want to scream or say hello to Ben and Jerry.

I have gotten back in Capital One's good graces with another chance so I do not want to aggrevate them but want this fixed.

No, DoFMD has no bearing on anything. Drop off is determined by Date of First Delinquency.

Re: Capital One and Equifax Someone Please Help Me Get Through To Them or Explain This To Me

Anonymous — Sat, 17 Oct 2015 13:30:15 GMT

One of my denial letters said I had account with too new delinquency or something like that. The only things on my credit report are the bankruptcy accounts which so $0 balances and my new credit. The new creditors are being paid on time usually early. I thought it was the Capital One accounts that made them say that. They fall fall off soon enough anyway so I will just be patient and have to wait. Thanks for answering.