This company is amazingly crooked. 
They re-aged accounts in 2006 from 2003 to 2004. I have been disputing back & forth. My credit file with Equifax dropped off the account its aged. TransUnion dropped one but the other is scheduled to drop in 01/10. Lastly Experian 2 accounts same drop off date 11/2010. Three bureaus with three different information for the "SAME" 2 accounts from Cap 1. I wrote them & sent them copies asking them to provide me with documentation, they refuse, they refused original contracts, a breakdown of what they say I owe..They refused everything, yet they verify the debt as valid. In February '09 after years & months of the Capital One run around I contacted the BBB,OCC, FTC, Fl. Dept of Consumer Services and the AG. They once again verified the debt as valid and did not provide documentation as to the differences in the 3 files. To makes matters worst, they retaliated against me in Feb. 09 modifying coding on the accounts to make them appear as they had been recently charged off..I.e.. Instead of 07/04 CO date, they now show a charge off for every month on these accounts have modified the reported/status dates, and are making the two appear as key derogatory when they are about 7 years old. The funny thing is I have copies of correspondence from them to the BBB and copies of all correspondence, green cards, credit reports from 06. Comparison of credit report discrepancies for same accounts. I have sent this to the OCC, Federal Reserve, Va. AG, Fl. Dept. Of Consumer Services. They are maliciously and with intent violating my rights under Federal Consumer Protection Laws. Including not indicating that I have been disputing the 2 accounts since 2006. I am going to see an attorney & see if he can sue these jerks for continuously running my life. I would appreciate additional suggestions/advice. Thanks.
They re-aged accounts in 2006 from 2003 to 2004. I have been disputing back & forth. My credit file with Equifax dropped off the account its aged. TransUnion dropped one but the other is scheduled to drop in 01/10. Lastly Experian 2 accounts same drop off date 11/2010. Three bureaus with three different information for the "SAME" 2 accounts from Cap 1. I wrote them & sent them copies asking them to provide me with documentation, they refuse, they refused original contracts, a breakdown of what they say I owe..They refused everything, yet they verify the debt as valid. In February '09 after years & months of the Capital One run around I contacted the BBB,OCC, FTC, Fl. Dept of Consumer Services and the AG. They once again verified the debt as valid and did not provide documentation as to the differences in the 3 files. To makes matters worst, they retaliated against me in Feb. 09 modifying coding on the accounts to make them appear as they had been recently charged off..I.e.. Instead of 07/04 CO date, they now show a charge off for every month on these accounts have modified the reported/status dates, and are making the two appear as key derogatory when they are about 7 years old. The funny thing is I have copies of correspondence from them to the BBB and copies of all correspondence, green cards, credit reports from 06. Comparison of credit report discrepancies for same accounts. I have sent this to the OCC, Federal Reserve, Va. AG, Fl. Dept. Of Consumer Services. They are maliciously and with intent violating my rights under Federal Consumer Protection Laws. Including not indicating that I have been disputing the 2 accounts since 2006. I am going to see an attorney & see if he can sue these jerks for continuously running my life. I would appreciate additional suggestions/advice. Thanks.
The charge off date and reported date don't mean anything in terms of when the account will be deleted. The only thing that matters is that your DOFD. The account will disappear 7-7.5 years from this date.
Keep in mind that if you dispute an account, write a letter, or anything of that nature the account will be re-reported with an updated date and will more than likely cause your score to drop because it will appear the account is recent.
Try not to wake sleeping giants if they are about to die.
Starting Score: 627 EQ, 621 TU - 11/15/08