Josh Mcgrath Posted October 16, 2004 Report Share Posted October 16, 2004 I am going and currently am default with Crapitalone. During the C.H.O.D., if I dispute as "not mine" and saying it does not get verified and gets removed totally and then on the next month they report again without notifying me within 5 days, would that constitute as a violation so I can get some barganing power? Crapitalone is horrible people!!! Link to comment Share on other sites More sharing options...
morrow Posted October 17, 2004 Report Share Posted October 17, 2004 Just because it comes off your report, doesnt mean its going to go away. If you owe, you owe...thats all there is to it. Violation or not...the account will still end up being reported one way or another...prolly by a collection agency if not the OC.My advice is to call CapOne and try to work out some sort of a deal. I know they are a PITA, but honestly, what pther option do you have. Link to comment Share on other sites More sharing options...
Josh Mcgrath Posted October 17, 2004 Author Report Share Posted October 17, 2004 Just because it comes off your report, doesnt mean its going to go away. If you owe, you owe...thats all there is to it. Violation or not...the account will still end up being reported one way or another...prolly by a collection agency if not the OC.My advice is to call CapOne and try to work out some sort of a deal. I know they are a PITA, but honestly, what pther option do you have. Thanks for the post. I know I owe, but I wanted to get some barganing power. Thanks for the advice, I agree. I am going to hire a lawyer to mediate for me. What I was saying is, since they report every single month, if the tradeline is removed, and they put another tradeline saying late overlimit, ect, wouldnt that be a violation if they don't notify me within 5 days? Im confusing, sorry Link to comment Share on other sites More sharing options...
Lainee Posted October 18, 2004 Report Share Posted October 18, 2004 Can't say I know the answer to your question, but I have had very good luck with CapOne. Seems most around here have not though, in all fairness. I would just call and be as honest about everything as you can. If you get lucky you'll get someone nice who will be willing to help you. I was late one time with them and they were really super about it. Neer hurts to try. Good luck. Link to comment Share on other sites More sharing options...
retmar Posted October 18, 2004 Report Share Posted October 18, 2004 As to your question of reporting. Don't expect the TL to be deleted as Crap1 is usually very punctual. If, by chance, it was deleted, then reinserted, your claim would be against the CRA, not Crap1. Therefore, no bargaining power.As the others mentioned, contact them and see what they have to offer. Ask them to reage the debt so you can remain current, then pay accordingly until satisfied. If they won't offer a program, you offer your own program, but, make sure it is one you can handle. When talking to them, ask for a Supervisor. At all times, ask each and every one you talk to what their name and employee number is. Yes, the lates would remain, but, in the future, you could try the goodwill to get them deleted.Don't waste your money or time with an Attorney at this point. You can accomplish just as much yourself. If the debt is not charged off yet, they will not accept an offer of settlement. It would have to wait until sold or assigned, but, in the meantime, the amount climbs until paid. Link to comment Share on other sites More sharing options...
boogaloo Posted December 23, 2004 Report Share Posted December 23, 2004 As the others mentioned, contact them and see what they have to offer. Ask them to reage the debt so you can remain current, then pay accordingly until satisfied.What does it mean to reage the debt so you can remain current? Link to comment Share on other sites More sharing options...
Josh Mcgrath Posted December 23, 2004 Author Report Share Posted December 23, 2004 geese, talk about reviving a dead thread..heh Of course CRAP1 verified. Just got the letter Tuesday. I am judgement proof right now, so I am waiting for it to go into a collections so I can bargain. Link to comment Share on other sites More sharing options...
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