Drew Posted May 23, 2007 Report Share Posted May 23, 2007 I believe this has been posted before, but never answered.I received a letter from NCO saying, "Please be advised that the above referenced account is closed in our office as settled. According to NCO's records, the above referenced account is not being reported."But if it is being reported by Capital One, can I send it to the CRA's to get their TL deleted? Link to comment Share on other sites More sharing options...
MadinKS Posted May 23, 2007 Report Share Posted May 23, 2007 You can do anything you want. It doesn't mean it will happen though. If Crap 1 is reporting their TL, the CRA will not take NCO's word for removal. It has to come from Crap 1 unfortunately. You can try anything you want though, I've seen stranger things work. Good luck buddy. Link to comment Share on other sites More sharing options...
Seanie Posted May 23, 2007 Report Share Posted May 23, 2007 Hey Drew let me know how you make out. I'm in the same boat. Link to comment Share on other sites More sharing options...
Drew Posted May 23, 2007 Author Report Share Posted May 23, 2007 This is my last chance, aside from repeated disputes with the CRA. Link to comment Share on other sites More sharing options...
bigjohnstud4200 Posted May 23, 2007 Report Share Posted May 23, 2007 They will not delete the CRAP 1 TL based on that letter, they may attempt to have CRAP 1 validate it (if you haven't recently asked for a dispute). Link to comment Share on other sites More sharing options...
Drew Posted May 23, 2007 Author Report Share Posted May 23, 2007 They will not delete the CRAP 1 TL based on that letter, they may attempt to have CRAP 1 validate it (if you haven't recently asked for a dispute).Geez.So then if Crap Uno didn't validate the CA's request, what good was DV'ing the CA in the first place? Link to comment Share on other sites More sharing options...
Seanie Posted May 23, 2007 Report Share Posted May 23, 2007 The tricky thing about this situation is that Cap One handed the account off to NCO. After you(we) paid NCO, the account was sent back to CAP ONE. I spoke to CAP One recently and According to them , NCO no longer handles there accounts. I guess there is really no point in DV'ing NCO, especially since you allready paid and it's way after the fact. They are not reporting it, nor do they handle the account anymore...Cap One is who we have to go after. Hopefully some of the experts can shed some light Link to comment Share on other sites More sharing options...
bigjohnstud4200 Posted May 23, 2007 Report Share Posted May 23, 2007 Geez.So then if Crap Uno didn't validate the CA's request, what good was DV'ing the CA in the first place?If your account goes delinquent with the an OC who then sells or refers it to a CA for collection you will have two negative TL, one from the OC and one from the CA. If you DV the CA and they can't validate, they must remove, however, it doesn't require the OC to remove and since the OC is not subject to the FDCPA then you have to go a different route with them but at least you only have 1 negative TL for the one account vs having 2 for the same account. For Crap 1, you can try disputing it with the CRA and asking the OC for documents proving what they are reporting, however, I hear that CRAP one has good records. I have a neg TL from them too and I'm saving that beast for my last fight. Good luck and please let me know if you have any luck with them! Link to comment Share on other sites More sharing options...
Seanie Posted May 23, 2007 Report Share Posted May 23, 2007 They do have good records. My account was charged off in 2000 and they still have very good records of my account. I even moved three times and they have all my addresses. Luckly, this is falling off in august. Link to comment Share on other sites More sharing options...
Drew Posted May 23, 2007 Author Report Share Posted May 23, 2007 They do have good records. My account was charged off in 2000 and they still have very good records of my account. I even moved three times and they have all my addresses. Luckly, this is falling off in august.Wow, that really sucks man!There has to be an easier way for Christ's sake. Link to comment Share on other sites More sharing options...
Drew Posted May 27, 2007 Author Report Share Posted May 27, 2007 Wait.. I just had a huge brainstorm.Couldn't I forward the letter I received from NCO to Capital One with a separate statement notifying them of their 'violation of my rights' as protected by the 'Doctrine of Estoppel'. I was told by NCO that I am entitled to a full refund of all monies, if no proof of assignment or debt validation was provided by their client, which I never received. Aside from that matter, upon clearance of payment all negative entries would be 'deleted' from all three credit bureaus.Does that sound like something that would work? Link to comment Share on other sites More sharing options...
Seanie Posted May 29, 2007 Report Share Posted May 29, 2007 Bump...I'm in the same situation. Will that work? Link to comment Share on other sites More sharing options...
Drew Posted May 29, 2007 Author Report Share Posted May 29, 2007 Hey Seanie,This is the new strategy I'll be using, check this out:http://www.debt-consolidation-credit-repair-service.com/forums/showpost.php?p=779719&postcount=11 Link to comment Share on other sites More sharing options...
Seanie Posted May 29, 2007 Report Share Posted May 29, 2007 Hey Drew, that looks good. Are you sending that to the CRA or cap one? Link to comment Share on other sites More sharing options...
Drew Posted May 29, 2007 Author Report Share Posted May 29, 2007 Capital One.I would assume the CRA's won't do anything for me at this point. Link to comment Share on other sites More sharing options...
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