Please see the above, my question is this. The collection is at zero, but it says it was sold to, I'm guessing DNF? I have no other information to go on. And yet, I recently got a new Reflex Card from Continental Finance. This would be the last thing I'd need to clean off of my record, but I don't know who to contact and it hasn't reported since 2018. Should I just let it fall off in 4 years, I don't want it to keep reporting as deragatory if can do anything about it.
Thanks!
It appears this is a charge off, not a collection. If that's the case, it would seem Celtic Bank stopped reporting the charge off when the debt was sold. It's highly unlikely that you'd be able to convince Celtic Bank to remove this from your credit reports, but you could try a goodwill letter.
The risk you have is that DNF (which is apparently Diverse Funding) could come out of the woodwork anytime and try to recover the debt and potentially add a collection to your credit reports. If it went delinquent in 2018, then you're likely within the statute of limitations and could potentially still be sued. To avoid any further negative credit issues from this, you'd have to contact DNF and pay or workout an agreement.
In regards to getting a new/second card: some lenders have shorter memories than others.
Since its showing a $0 balance. It was sold to a CA. Theres nothing you can do to get a CO removed. So there must be a collection agency on your reports that bought the debt and now owns it. If so try to come to a settlement offer and get it paid so it quits updating monthly. But as far as your screen shot. That chapter is over and you'll just have wait it out for it to fall off 7 yrs after the DoFD.
