bigdebt Posted April 13, 2008 Report Share Posted April 13, 2008 hi everybody,i have a account with cap1 i disputed with the cra that came back verfied,so im looking this over and notice that cap1 is reporting 90 days late 30 times,now they have date of last payment of june 2001.this i totaly wrong if cap1 can only report neg info for 7 years correct?this account should drop off in june 2008 right?i got my real fico scores and on my eq score this is really hurting my score on credit at a glance it shows 32 late payments.my ficostu 696ex 645eq 591my fakeostu 661ex 548eq 576 should i redispute the because of the lates? thank bigdebt Link to comment Share on other sites More sharing options...
Amerikaner83 Posted April 13, 2008 Report Share Posted April 13, 2008 when was the DOFD - date of first delinquency?Are the lates accurate?Cap1 tends to keep you "late". For example - if you were 30 days late in March, and never pay again, it'll say 30 days in March/60 days in April/90 days in May/120 in June/120 July /120 August. NOte the 120 in July and August is just updating the status to reflect the true accuracy of the account. Is your situation similar? Link to comment Share on other sites More sharing options...
bigdebt Posted April 13, 2008 Author Report Share Posted April 13, 2008 amerikaner83 thanks for the response on eq it list dofd as 6/2001 Link to comment Share on other sites More sharing options...
Amerikaner83 Posted April 13, 2008 Report Share Posted April 13, 2008 OK so at 6/08 or 1/09 it'll fall off. That's good. How much is the debt? Have you paid or settled it? What's the SOL? Im surprised they haven't come after you if 6 yrs ago you defaulted. Link to comment Share on other sites More sharing options...
bigdebt Posted April 13, 2008 Author Report Share Posted April 13, 2008 amerikaner83 the amount of debt was 609 but past due is 1632,i have never heard from cap1 or paid on this since 6/2001,the sol in ma is 6 years. im thinking that the 7 years to report this is up this june which is 3 months away so if they can report neg info for 7 years 27 of the 30 lates are more than 7 years old and are to old to report.if i get rid of these i would only have a total of 2 lates on my fico report as you can see my eq fico score is way below my other scores, allso since i dispute this account back in jan 08 and cap1 verified they are purposely reporting info more than 7 years old to hurt my credit thanks Link to comment Share on other sites More sharing options...
Amerikaner83 Posted April 13, 2008 Report Share Posted April 13, 2008 Like I said - June of this year OR January of next, if it has been charged off. Link to comment Share on other sites More sharing options...
bigdebt Posted April 13, 2008 Author Report Share Posted April 13, 2008 got it thanks Link to comment Share on other sites More sharing options...
isislc Posted April 13, 2008 Report Share Posted April 13, 2008 I would be watching the mail or checking the courts for the next couple of months if I were you. Too many a time has someone thought they were in the clear of a debt only to find out that a suit was filed against them at the last minute for the accounts. Link to comment Share on other sites More sharing options...
Moneedshelp Posted April 14, 2008 Report Share Posted April 14, 2008 How long ago did you dispute? cap1 may decide to do something with the debt, though 1300 is not a lot, but with cap1 you never can tell Link to comment Share on other sites More sharing options...
bigdebt Posted April 14, 2008 Author Report Share Posted April 14, 2008 the sol in mass is 6 years so june 2001 + 6 years means this went sol june of 2007.and the reporting sol is up this june or jan 2009 like amerikaner83 stated Link to comment Share on other sites More sharing options...
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