Validate dispute and raise my credit score

I am writing to you again. Still trying and persevering to improve credit score. I went from 452 to 471 in one week, and then Capital One account from 1999 and one from 2000 hit me with a report to credit bureau. So I called the credit bureau and they told me 7 to 10 years it can stay on there. So then I called Cap One and she took my social and said she had nothing come up when she punched in my number. What do you think I should do?? Should I send off that letter of validation? It was like I got punched when I saw my score drop after I watched it go up a little bit. The Cap One accounts are charge offs, derogatory, closed accounts that won't go away. They had limits of 200 and 500 and now have balances of 1440 and 2200......Please help
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i would dispute the accounts first through the three credit bureaus as not yours or an error
then maybe do the validate thing if cap one can't find the account under your social
a dispute should garner the same results I would think or assume.
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Thanks Bo!!! I already have ongoing dispute going, so I guess when that one concludes, I will dispute the two Cao One accounts and send validate letter after that dispute is over. I'm not giving up!!!
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How ya doin? Just wanted to ask question - I put in dispute for the two Capital One cards and now I got a credit alert on my credit report saying that Cap One has changed date from N/A to N/A. Do you know what that means? Thanks
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that means they should take that dang thing off
combat this with validation
then valdiate follow up
then call state attorney general
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Well, I disputed with credit bureau and it comes back as REMAINS. Verified to be accurate. Yet when I call them, no record. So now I will send the letter.....Will keep you posted
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vaidate and take them to court
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Just wanted to let you know I am up 100 points since I started a month ago. I had the Cap One accounts removed from Trans Union, and I am disputing the age with the other two bureaus. If one credit bureau takes them off, do you think the others will follow? Thanks for all your help.
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they should
way to go
thanks for telling me