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About deanlebo

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  1. Also, Capital One has sent the debt to a law firm and they won't directly deal with me. Can the law firm negotiate in behalf of Capital One to get my credit report updated?
  2. ChrisT, have you had any luck with Capital One in terms of removing the "Charge-Off" status in your credit reports. The reason I'm asking is because I'm in the process of securing a FHA loan. Right now my mid score is floating right above 620. I need to pay off Capital One in order to qualify the loan, but I'm afraid that if I settle it'll drop my score below the 620 mark and further disqualify me from the loan. Any help would be very much appreciated.
  3. Hi, I have a Capital One account that's being reported to all three of my credit reports. I noticed that it was first updated as "Charge-Off" on March of 2007. In the status is says "Account charged off. $919 written off. $1,783 past due as of Jul 2010." My question is, since the debt was written off at $919, can Capital One continue to increase the past due balance every month. As you can see its up to 1783 right now. Do I have grounds to dispute this with the CRA's? If so, what's the best method to do so. Thanks.