Help!!!!!!!!

[cherno31]

I had a Capital One account for $1500 drop off my report earlier this month because it has been 7 years. Now it's back on my TU report as a fresh account and it caused my TU score to drop 134 points. Are they allowed to do this? Is there anything I can do? I just put $$$ down for a house yesterday on a TBD new build. I'm really scared and desperate now, any suggestions?

[Anonymous]

Do you have a hard copy of your old reports that show this account?

What is the DOFD listed? Is it the same company reporting?

If it has been re-aged, then that is illegal.

[cherno31]

On a previous hardcopy report from TU the "Date Closed" is Dec 2001. On a TU report pulled yesterday the "Date Closed" is March 2008

[Anonymous]

On that TU report does it say something like  "This account scheduled to remain until XXXXX"

Does it show DOFD?

[cherno31]

Previous hardcopy: Date Opened- Jan, 2001

                                Date of Last Activity- April, 2001

                                Date Closed- Dec, 2001

Now:  Date Opened-Jan, 2001

          Date of Last Activity- "Not reported"

          Date paid out- "not reported"

          Date closed- March, 2008

[Anonymous]

Are these dates reported by a CA or an OC?

You said your TU report, where do you pull that from?

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cherno31 wrote:

Previous hardcopy: Date Opened- Jan, 2001

                                Date of Last Activity- April, 2001

                                Date Closed- Dec, 2001

Now:  Date Opened-Jan, 2001

          Date of Last Activity- "Not reported"

          Date paid out- "not reported"

          Date closed- March, 2008

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[cherno31]

I pull my score from here. It is reporting as Capital One, but it has been turned over to the Northland Group, but their name is not on my report

[Anonymous]

Either pull your free reports that show scheduled drop off date/DOFD or call the CRA and ask. Sorry, the only advice I can give you. As it appears......it isn't quite past CRTP yet, but I can't be sure by those dates.