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kjunior

Capitol One-chapter 7 discharge 9/12/03

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Heyguys is it okay to send Capitol one dv letters if they were discharged through bk? i am really needing to get these tradelines deleted if possible. They bought old debt form 95 or 96 in 2001. Can this be done. If and after the deletions will this raise my scores some since the included in bk will be deleted. Let me know ASAP. i was trying to wait for Chod, but don't know if i have the time to. Would love to see Capitol One removed. The same with Providian, but i actually had the credit card with them, and then Emerge bought it and tried to collect before filling bk.

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Heyguys is it okay to send Capitol one dv letters if they were discharged through bk? i am really needing to get these tradelines deleted if possible. They bought old debt form 95 or 96 in 2001. Can this be done. If and after the deletions will this raise my scores some since the included in bk will be deleted. Let me know ASAP. i was trying to wait for Chod, but don't know if i have the time to. Would love to see Capitol One removed. The same with Providian, but i actually had the credit card with them, and then Emerge bought it and tried to collect before filling bk.

Hi kjr,

Since they bought the debt it can't hurt to send dv letters. I plan to send them the same after we get the house all taken care of.

How do these show on your report?

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They show on my report as capitol one. Nothing about they purschased the debt from. They know say on my experian report that they were incl. in bk. My thing i didn't owe capitol one and the sol should have ran out on them before capitol one even bought the debt. from 95-96 correct. one was a credit card through Citibank Visa, and the other was a car loan from CAC finance, and i know they can't validate the debt on the car, b/c the oc sent me the orginal paper work back stamped paid in full.

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Your going to have to send dv letters to capital one. I would also send verification letters to the oc's in this matter. You might also use the letter the oc sent you as proof to the cra that this was infact paid and taken care of before a ca came into play.

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I odn't have the info for one of the oc. it was citibank visa back form 95. I have the letter ready for Capitol one dv. What about both accounts on experian showing the same acount numbers with different amounts?

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Did you dispute them yet?

You can get the oc information if its still being reported on your credit report by calling cra and asking for the address for them.

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neither one of the oc are listed at all. Everything is under capitol on like they are the oc. I found out who they were wheni called capitol one 2 years ago.

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If the oc is not reporting I dont know that a verification letter would work.

Just send the dv letter to cap1 and see what happens. After they get the greencard then dispute with cra as not mine.

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Will do right now sis, you think it's okay o fax letter, or it's better to send certified for the green card. Once i reciec that then dispute not mine, even if i've already done that before. both accounts now report incl in bk.

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I would send it crrr mail. Don't take a chance, get your proof.

When was the last time you disputed this as not mine?

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Been a few months.

Hey sis i just sign up with privacy guard. My eqifax score is 609, it was 542 as of july 25, 03. Have you used them before and is it worth paying to get the other 2 scores. my transunion score was 501 as of 7/25/03 and my experian was 434 7/25/03. My Equifax alo does not report in my public record my bk.

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Its a fake score and useless really. Don't waste your money. PM me and I will give you a secret about getting your scores from them.

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Yes and i sent one back, its sitting in my outbox still, you might need to refresh your page to get it. I also emailed to you. Enjoy

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