Cap1 PFD Responce

[blauthsp]

I have yet another strange response. I actually sent a PFD letter to CAP1 and received this letter back:

Front Page
Back Page


After reviewing these I am not sure what to think.... could someone please help me out here?

[Anonymous]

Sounds like they are removing it to me.

No need to pay...

[blauthsp]

That's kind of what I interpreted also...

It is just so weird because it was an account charged off in 04' for just under $800 and up until last week they had "Alliance One" trying to collect on it even though Alliance One didn't buy the debt Cap 1 still reports it.


This Charge off is really killing my credit right now... its my only revolving credit line and it is maxed out... Should I copy this letter to the CRA's?

[Anonymous]

Type up a letter of dispute and fax it with that letter to all 3 CRAs and see if you can get it off sooner.

[blauthsp]

bamf... once again great advice. I'll do this in the morning and see what I can come up with... Thanks again.

[Anonymous]

Nice thing I have learned about CCC - they usually only keep about 12-18 months of records... no records (i.e. proof) then they can't report if challenged (ever wonder why the GW work so well on older items - that's why) - if you request an investigation (that's a DV for the OC) they can't back it up.

[Anonymous]

It is just so weird because it was an account charged off in 04' for just under $800 and up until last week they had "Alliance One" trying to collect on it even though Alliance One didn't buy the debt Cap 1 still reports it.

blau.........does Alliance One show up on your CR as a Collection Account?

[Anonymous]

Sounds like its gone!!!  Good Job!

[blauthsp]

Alright cross your fingers!   .... I faxed to each CRA

[Anonymous]

Good luck!