Score dropped 65 points and i dont unstand why all i asked was that they delete dispute comments

[ashley5031]

CAPITAL ONE         (XXXXXXXXXXXX0797) Show/Hide Details

Account opened: 11/2007    Description:  Paid charge off   Previously reported Newly reported Balance: $0   Past due: $0 $0 Status: Bad Debt; Placed for collection; Bad Debt; Placed for collection; Last activity: 4/1/2013 4/1/2013 Description: Consumer disputes this account information Paid charge off Account closed by credit grantor Paid charge off Contact: CAPITAL ONE, PO Box 30281, Salt Lake City, UT, 841300281

CAPITAL ONE         (XXXXXXXXXXXX7614) Show/Hide Details

Account opened: 5/2012    Description:  Credit card Amount in H/C column is credit limit   Previously reported Newly reported Balance: $608   Past due: $0 $0 Status: Pays account as agreed Pays account as agreed Last activity: 1/1/2014 1/1/2014 Description: Consumer disputes this account information Credit card Amount in H/C column is credit limit Credit card Amount in H/C column is credit limit Score dropped 65 points and i dont unstand why all i asked was that they delete dispute comments. I had no opened disputes and have been paying on time so i dont understand

[NancyLou]

Right out of the gate - that first CapOne account is probably what's the problem. 

When was the last time you made a payment on this? When was it charged off? I don't know what state you're in but if it's outside the statute of limitations for collection, which varies from state to state, you might be able to dispute it as a "time-barred debt", meaning - it's so old, even if they sued you today, you could get the suit dropped because it's so old, again, based on state law, which varies from state to state.

To see what your state's statute of limitations is for credit card debt, see this page - http://www.creditcards.com/credit-card-news/credit-card-state-statute-limitations-1282.php

[Anonymous]

It looks like the first account went from a dispute status to a charged-off status.

Accounts in dispute are supposed to be prevented from hurting your scores, so moving from disputed to charged off might be a big deal.

[ashley5031]

i disputed the 2 accounts 2 months ago the told me they werent changing anything i asked them to remove the comments thats all

[09Lexie]

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@NancyLou wrote:

Right out of the gate - that first CapOne account is probably what's the problem. 

When was the last time you made a payment on this? When was it charged off? I don't know what state you're in but if it's outside the statute of limitations for collection, which varies from state to state, you might be able to dispute it as a "time-barred debt", meaning - it's so old, even if they sued you today, you could get the suit dropped because it's so old, again, based on state law, which varies from state to state.

To see what your state's statute of limitations is for credit card debt, see this page - http://www.creditcards.com/credit-card-news/credit-card-state-statute-limitations-1282.php

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Delinquent accounts may report up to 7.5 years from the DOFD. SOL expiration has nothing to do with the reporting of the debt on your CR's.