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cap 1 question


ontheverge
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This is how Capital 1 is listing. Why does it have date of status for the year of 2002? Are they just re-aging it? I cant remember when I last made a payment and do not have any records. I received a couple settlement offers in the last few months from them, but other than that I have not had any contact with them for a long time. I am in California, so I can request validation of the account, correct?

This is how experian lists the TL

CAP ONE BK

Address:

PO BOX 85015

RICHMOND, VA 23285

Account Number: XXX

Status: Account charged off/Past due 180 days. $384 written off. $711 past due as of Nov 2005.

Date Opened: 09/1999

Type: Revolving

Credit Limit: NA

Date of Status: 02/2002

Terms: NA

High Balance: $711

Reported Since: 09/1999

Monthly Payment: $0

Recent Balance: $711

Last Reported Date: 11/2005

Responsibility: Individual

Recent Payment: $0

Creditor's Statement:

Account closed at credit grantor's request.

Account History:

Charge Off as of Nov 2005, Oct 2005, Sep 2005, Aug 2005, Jul 2005, Jun 2005, May 2005, Jan 2005, May 2004 to Dec 2004, Oct 2003 to Mar 2004, Jun 2003, Apr 2003, Dec 2002, Sep 2002, Jun 2002, May 2002, Jan 2002

180 days as of Sep 2001

150 days as of Aug 2001

120 days as of Jul 2001

90 days as of Jun 2001

60 days as of May 2001

30 days as of Apr 2001, Sep 2000

Balance History:

10/2005 $704

09/2005 $696

08/2005 $689

07/2005 $682

06/2005 $675

05/2005 $668

01/2005 $642

12/2004 $635

11/2004 $632

10/2004 $621

09/2004 $614

08/2004 $607

07/2004 $599

06/2004 $592

05/2004 $584

03/2004 $571

02/2004 $564

01/2004 $556

12/2003 $550

Limit High Balance History:

Between Oct 2005 and Oct 2005, your credit limit/high balance was $704

Between Sep 2005 and Sep 2005, your credit limit/high balance was $696

Between Aug 2005 and Aug 2005, your credit limit/high balance was $689

Between Jul 2005 and Jul 2005, your credit limit/high balance was $682

Between Jun 2005 and Jun 2005, your credit limit/high balance was $675

Between May 2005 and May 2005, your credit limit/high balance was $668

Between Jan 2005 and Jan 2005, your credit limit/high balance was $642

Between Dec 2004 and Dec 2004, your credit limit/high balance was $635

Between Nov 2004 and Nov 2004, your credit limit/high balance was $632

Between Oct 2004 and Oct 2004, your credit limit/high balance was $621

Between Sep 2004 and Sep 2004, your credit limit/high balance was $614

Between Aug 2004 and Aug 2004, your credit limit/high balance was $607

Between Jul 2004 and Jul 2004, your credit limit/high balance was $599

Between Jun 2004 and Jun 2004, your credit limit/high balance was $592

Between May 2004 and May 2004, your credit limit/high balance was $584

Between Mar 2004 and Mar 2004, your credit limit/high balance was $571

Between Feb 2004 and Feb 2004, your credit limit/high balance was $564

Between Jan 2004 and Jan 2004, your credit limit/high balance was $556

Between Dec 2003 and Dec 2003, your credit limit/high balance was $550

**********************

Equifax lists the account with a charge off of $559 which is differnent than what Experian lists. Equifax lists DOLP 10/2001 and DOLA 09/2000.

Any advice on this? Something definitely doesnt seem right.

Thanks!

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They'll report this every month forever. They still report my accounts that were discharged in bankruptcy 5 years ago. I'm currently disputing them with EQ, as every month they update the "date major delinquency first reported." Hmm. If this account went into BK in 12/2000, how exactly could you be first reporting a major delinquency in 11/05? MBNA and Macy's pulled this too, "first" reporting a major delinquency in 2003 and 2004 on accounts that were closed in 2000. They're all in dispute.

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Account History:

Charge Off as of Nov 2005, Oct 2005, Sep 2005, Aug 2005, Jul 2005, Jun 2005, May 2005, Jan 2005, May 2004 to Dec 2004, Oct 2003 to Mar 2004, Jun 2003, Apr 2003, Dec 2002, Sep 2002, Jun 2002, May 2002, Jan 2002

180 days as of Sep 2001

150 days as of Aug 2001

120 days as of Jul 2001

90 days as of Jun 2001

60 days as of May 2001

30 days as of Apr 2001, Sep 2000

Why do cc companies report like this even after the SOL. Are they trying to damage your credit more? What do they get out of it?

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They'll report this every month forever. They still report my accounts that were discharged in bankruptcy 5 years ago. I'm currently disputing them with EQ, as every month they update the "date major delinquency first reported." Hmm. If this account went into BK in 12/2000, how exactly could you be first reporting a major delinquency in 11/05? MBNA and Macy's pulled this too, "first" reporting a major delinquency in 2003 and 2004 on accounts that were closed in 2000. They're all in dispute.

This is open and shut for you IMO. Others don't get it so easy on Cap1. Dispute the correct elements to the bureau. Wait for them to verify. Dispute again. When they verify, issue a summons.

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IHateCAs, I currently have an open, positive TL with Crap 1 (there were two, but I just combined them). How will it affect that account if I go issuing summonses?

It shouldn't at all. If they decided to f*ck up your good TL as retribution, they'd just be digging a bigger hole for themselves.

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