TSorad Posted June 8, 2007 Report Share Posted June 8, 2007 My account with WFFNB (victoria secret) has been charged off since around 02. I recently contacted them to ask for a PFD, but they said no. I just checked my report today and it says it was sold/transfered. I contacted WFFNB and they said they have no information on the account as it was sold to NCO and I should contact them. I asked how they can report my account 120 days late if it was charged off or how they can even report it at all if they sold the account. She said to contact NCO.Not sure if it is reporting good now, never had anything like this happen before. Says paid/closed bought by another lender, but still has the 120 days late for like a year on there (experian hasn't updated yet). Hopefully NCO doesn't report it again.Is there anything I can do? I will try to dispute online again, but will probably come back verified.Here is what is reporting on my report Account No.: 8652741786527**** 86527**** 15456086527**** Condition: Closed (Paid), Derogatory, Closed (Transferred) Balance: $0 $383 $0 Type: Charge account Charge account Pay Status: Current, Collection/Chargeoff, Current TransUnion] Purchased by another lender [Experian] Unpaid balance reported as a loss by the credit grantor. [Equifax] Account transferred or sold Link to comment Share on other sites More sharing options...
bigjohnstud4200 Posted June 8, 2007 Report Share Posted June 8, 2007 My account with WFFNB (victoria secret) has been charged off since around 02. I recently contacted them to ask for a PFD, but they said no. I just checked my report today and it says it was sold/transfered. I contacted WFFNB and they said they have no information on the account as it was sold to NCO and I should contact them. I asked how they can report my account 120 days late if it was charged off or how they can even report it at all if they sold the account. She said to contact NCO.Not sure if it is reporting good now, never had anything like this happen before. Says paid/closed bought by another lender, but still has the 120 days late for like a year on there (experian hasn't updated yet). Hopefully NCO doesn't report it again.Is there anything I can do? I will try to dispute online again, but will probably come back verified.Here is what is reporting on my report Account No.: 8652741786527**** 86527**** 15456086527**** Condition: Closed (Paid), Derogatory, Closed (Transferred) Balance: $0 $383 $0 Type: Charge account Charge account Pay Status: Current, Collection/Chargeoff, Current TransUnion] Purchased by another lender [Experian] Unpaid balance reported as a loss by the credit grantor. [Equifax] Account transferred or soldThe can report even if they no longer own the account. Are they reporting the 120+ days late before or after they sold it? If they reported that up till the time they sold it, they are legal. Link to comment Share on other sites More sharing options...
TSorad Posted June 8, 2007 Author Report Share Posted June 8, 2007 the account was just sold on June 1, so I am not sure if they are still going to report 120 late. Like I said I called and they said they had no information.I disputed with experian and gave the number and name of the person I spoke with, hopefully it will just get deleted.How can they verify it if they don't have the information anymore? Link to comment Share on other sites More sharing options...
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