Please Help Me Get This Process Down

[Anonymous]

Situation: Charge-Off   

Action Wanted: Removal

Action Needed: ?????

I apologize in advance if you have heard this before.  I am having a hard time understanding the process. Have a CAP1 charge off with DOLA of 6/2001. I am aware June 2008 is the earliest it can be removed, however have 7 1/2 yrs which means up to December.

If I am writing a GW to have the charge-off removed early, do I write the CRA or Capital One.  I am confused now because when I called Huntington about their information being removed from my credit report with the 7 1/2 year timeframe, the representative told me the removal time was at the discression of the CRA. 

My other question, since CAP1 has sent no updates for the account since 04, are they truly 'reporting'?  That question further adds to my confusion.

So anyway forum members, please tell me ... who exactly do I write?

[Anonymous]

First, you'll probably get more responses by posting in the "General Credit Issues" forum.  Perhaps some kind mod will come along and transport your post over there.

Second, I haven't heard of too much GW success with Cap1, but you might try searching the boards for GW and Cap1.  Perhaps you could send an "obsolete" letter to the CRAs.  Some have successfully had items removed a few months ahead of schedule, but as always, YMMV.

Good luck!

Message Edited by lurknomore on 04-15-2008 11:40 AM