Hope this isnt answered somewhere else, i didnt see anything

[scriptgurl]

I have had 3 deletions from CA's Woohoo THanks to you guys!!!

Anyway, My question is about the OC. The 3 accounts that were being reported by OC are CO.. 2 of them are reporting past due

Capital One

Account Number: XXXX Current Status: CHARGE-OFF

Account Owner: Individual Account. High Credit: $0

Type of Account : Revolving Credit Limit: $0

Term Duration: Terms Frequency: Monthly (due every month)

Date Opened: 00/01/2 Balance: $2,713

Date Reported: 05/2005 Amount Past Due: $2,713

Date of Last Payment: 03/2001 Actual Payment Amount: $0

Scheduled Payment Amount: $0 Date of Last Activity: 03/2001

Date Major Delinquency First Reported: Months Reviewed: n/a

Creditor Classification: Activity Description: Closed

Charge Off Amount: $1,635 Deferred Payment Start Date:

Balloon Payment Amount: $0 Balloon Payment Date:

Date Closed: 03/2002 Type of Loan: Credit Card

Comments: Consumer disputes - reinvestigation in progress

Providian

Account Number: XXXX Current Status: CHARGE-OFF

Account Owner: Individual Account. High Credit: $3,400

Type of Account : Revolving Credit Limit: $0

Term Duration: Terms Frequency:

Date Opened: 00/01/2 Balance: $0

Date Reported: 05/2005 Amount Past Due: $0

Date of Last Payment: Actual Payment Amount: $0

Scheduled Payment Amount: $124 Date of Last Activity: 05/2001

Date Major Delinquency First Reported: Months Reviewed: n/a

Creditor Classification: Activity Description: Paid and Closed

Charge Off Amount: $0 Deferred Payment Start Date:

Balloon Payment Amount: $0 Balloon Payment Date:

Date Closed: 12/2001 Type of Loan: Credit Card

CHM

Account Number:XXXX Current Status: CHARGE-OFF

Account Owner: Individual Account. High Credit: $0

Type of Account : Revolving Credit Limit: $0

Term Duration: Terms Frequency:

Date Opened: 98/03/1 Balance: $1,094

Date Reported: 04/2005 Amount Past Due: $1,094

Date of Last Payment: 08/2001 Actual Payment Amount: $0

Scheduled Payment Amount: $0 Date of Last Activity: 09/2001

Date Major Delinquency First Reported: Months Reviewed: n/a

Creditor Classification: Activity Description: n/a

Charge Off Amount: $1,094 Deferred Payment Start Date:

Balloon Payment Amount: $0 Balloon Payment Date:

Date Closed: Type of Loan: Credit Card

Comments: Consumer disputes - reinvestigation in progress

This is probably a stupid question...

Can a Charge off show as PAST DUE? Before I disputed all of them showed as sold/paid charge-off or transferred/sold to another lender.

Thanks in advance!

[willingtocope]

Not a stupid question, but also not an easy answer.

My thought is that by disputing these accounts (or maybe DV'ing the CAs that had them) you given the OC an opportunity to change the reporting to "in dispute" which takes it our of the "sold to another lender" category. Maybe, because they weren't able to provide DV to the CA that bought them, the CA returned them to the OC...

So...it is permissable for a CO'd account to contnue to collect interest and penalties as long as the OC hasn't sold it. I'm thinking that while they're looking into your dispute, they're going to report the accounts as "past due".

[scriptgurl]

thanks... I think I will wait to see what it reports after the investigation is over with.

before the dispute on capital one it showed :

Status: closed/account charged off, $1635 written off $2713 past due with a High balance of $1635

providian showed

Status: closed/account charged off

$4144 written off

high balance $3400

then at bottom purchased by another lender

Chm

Status: account charged off/past due 180 $1094 written off

$1094 past due as of 03/04

On Chm it says Date opened : 03/98 and Reported since :02/98 how can they report an account that wasnt opened until 03/98 ?

*just trying to see anything that would help get a possible deletion! lol *