Capital One Bank Collection Letter

[Anonymous]

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Lori344 wrote:

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Timothy wrote:

FOAD = F off and Die

Timothy,

You owe me a new keyboard!

I just spit wine all over it, too funny!!!!

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[Anonymous]

I am now at my wit's end after opening my mail last night.

I'm resurrecting this msg because I just received a letter from Portfolio Recovery Associates about my old Cap One CO for $1288.41

Herein lies the problem.

I've been working so hard to delete the baddies and my FICO scores are improving. I need to buy a condo by April 2008 and I cannot afford for a CA to hit my CR's.

I sent a FOAD letter to them on July 9th 2007. I didn't send it CMRRR but now I know better.

I went through my old CR's this am and following are the results from previous reporting:

EX:

[Anonymous]

(sorry, hit the submit butten too quickly....)

I am now at my wit's end after opening my mail last night.

I'm resurrecting this msg because I just received a letter from Portfolio Recovery Associates about my old Cap One CO for $1288.41

Herein lies the problem.

I've been working so hard to delete the baddies and my FICO scores are improving. I need to buy a condo by April 2008 and I cannot afford for a CA to hit my CR's. I just checked TrueCredit this am and nothing reported as of today.

I sent a FOAD letter to them on July 9th 2007. I didn't send it CMRRR but now I know better.

I went through my old CR's this am and following are the results from previous reporting:

EX: 30 days as of 11-1999 on Aug 24 2004 report (is this my DOFD?)

EX: 30 days as of 10-1999 on May 08 2006 report

EQ: DOFD 01-1999 (DOLA 11-1998)

I don't have any old reports from TU with Cap One on them.

My TrueCredit report shows 3 soft inquiries from Cap One bank on 4/22/06.

I know that this is beyond my state's (IL) SOL.

What can I do now to prevent this from going to my CR's?