Capitol One Account

Submitted by kbork on Sat, 06/05/2010 - 12:41
Forums
Credit repair

On my credit report, I have listing for a Capitol One account that was sold to NCO financial. NCO financial is not on my report, but the Capital One is and shows a "0" balance "sold to a collection agency." The posting will be removed from my account in 3 years, and the SOL has passed.

I would like to find a way to clear this from my record, if possible. Are there any negatives that could happen by my filing a request for debt validation with Capitol One? Does anyone have any other suggestions?

Thanks,
Kitty

goodnatured

You need to file a dispute with the credit reporting agency, let them know also that the statute of limitations has expired, they may remove it on the spot or they will do an investigation. File the dispute and they will act on it.

Sun, 06/06/2010 - 02:36 Permalink
Aaron

Hi kbork,

Yes, goodnatured is right. You need to file a dispute with the credit bureaus. Write a dispute letter in reference to the account. Mention that the Statute of Limitations on this account has expired.

You will get a sample dispute letter to be sent to the bureaus, with this forum. You can use that to write one of your own, and send the letter through certified mail, requesting a return receipt.

Thanks,

Aaron

Mon, 06/07/2010 - 08:47 Permalink
Aaron

Hi,

Hope that you will be able to solve this problem as soon as possible.

Thanks,

Aaron

Mon, 06/07/2010 - 11:55 Permalink