yyzjohn

CapOne card carries recent balance of $900 after C/O???

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How can the CapOne (OC) TL carry a recent balance of $900 if the account shows it was already charged off? I disputed and it came back affirmed. Doesn this mean CapOne never sold the debt to a JDB?

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CO means "charge against accrued income for P&L purposes". It means nothing to you. They still own it, you still owe it, they will still try to collect.

Now, if the tradeline says "Write off / sold to another lender" and the balance is $0, then they've sold it to a JDB. This may be anywhere for 6 months to 6 years after default...and again, it hhas nothing to do with you personally....it all depends on how they want their books to look.

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