Capital One Credit Card account not reported to bureau

I have an account with Capital one I've had the account since Feburary 2, 2007 .Ive been told that the account was closed each time I try to get infomation I am put off ,because I know that it isnt been reported to your company or the other two (account number is
3243008-2001) I found out that it wasnt being reported when I tried to trade the car I was told that a bank would not help me because of that, Please help me soon.
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my name is bo majors
i operate a credit help webpage
i am not a bureau or capital one the only way to have something reported to a bureau
is through a creditor sucn as a credit card company
so you have to mediate through cap one

Use these credit cards to improve your credit score

Captial One credit cards

I just recently got a great low interest rewards card from Capital One. Then I read where you said that they were the worst to have because they only report the balance as the high limit. I’m a member of a credit monitoring group that allows you to look at your score each month. I noticed on my report that they reported my $5000.00 limit and my 1000.00 balance. Have they changed the way they report? Also my credit score drops and raises each month, up and down by about 10 points. Is this normal? I have not been late on a payment for 3 years my scores for each bureau range from 640 to 659. Each month. It says that this is a fair score.
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yes they have changed their practices. i need to get those comments off my website
they change due to customer blowback in a very large way. happened about 6 months ago.
so you are ok

bankruptcy, inquiries, fico, credit card

Dealership turned me down for having too many inquires on my credit report.
I received several letters in the mail saying I had been turned down for credit.
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The letter are legal for putting a inquiry on your report.
How many inquiries?
I doubt anyone got turned down from too many inquiries.

The letters you got are from potential creditors the car company tried to get you finance with and they were turned down. So he was just fight to keep a deal with.

I would say incompetence is not the right term.
He either tried to get more interest usually capped by lenders at 2% percent max dealer increase. So at 14 percent all he could make was 2 % of loan interest. So the bank bought it for 12% they charge you 14 and make some money.

Usually this is not a bad deal as car dealers get better rates than the average guy.
I would contact a credit union
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Thanks for the quick reply,The credit report lists 15 separate inquiries from May 12th - May 15th, 12 checks on May 16th, the day of purchase.
If not incompetency, I suspect he was being vengeful for not accepting the 14%. (It seems to me any reputable dealership (this was Nissan) should have a better credit system check than this. ...) I see the way Capitol One is listed on the report and the "loan offer" was from Capitol One, and the credit denial letter from them clearly states the reason for denial as "Too many recent credit inquiries".
There was nothing negative or missed payments between my last FICO report from Oct 2006 and the recent one I just obtained. The loan was only for $5000.00, and I had planned to "flip" it over quickly in 6mos, If I "get rid of anything capitol one", dosen't it look bad closing a credit card acct? (Excellent payment history)
Also - When the bankruptcy goes off the report will my automatically credit improve? It's the only "negative" on my report.....
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Never make payments on something for only 6 months.
Rated has to be 12.
They probably worked on your credit right then that day to get you a better rate.
A person must tell them not to shotgun your credit. Mostly done with people on the margin of good and bad credit.
I doubt you have any recourse and many times a denial list menial items and they do not really tell you why. They didn;t want to do it so they came up with a decent reason. I am sure there are other reason they did not list on your denial letter. Nature of the business. I know. I sold cars for 12 years. Financed em. everything from top to bottom. -------

Hello Bo, My email is in response to this statement I've seen about Capital One on your blog."They report your credit limit as being whatever you charge so you are always maxed out with them."I have two questions. First, on our credit report it shows a largest past balance and then a current balance for Capital One. This is on both of our Capital One cards. If the way they report it leaves it appearing to be "always maxed out," how does this largest past balance affect our score? Second, if the account is zeroed out but left open how does that report/affect our score? I am hesitant to close our Capital One accounts because they are the oldest in good standing accounts we have open. I look forward to hearing from you soon.
Thanks for the help!
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"majors@oskie.com" / to Captial One Card holder with a thin credit file /
I guess in your situation i would keep it open too. But never have a balance
I guess you have some other credit too.
If you do have 3 other good credit lines then the capital one should be closed.
If not then keep it open but do not use the dern thing.

Captial One Credit Cards. My Fix Credit Free Help

You probably dont remember me emailing you for your advice i read on your website, but it had to do with the capital one credit cards. I told you i had four of them and my score has been over the years staying around 560 to 599, and using your advice i paid them off all four of them, and closed them in good standing. i then opened four new ones with hsbc. my score has slowly been climbing ever since. i spoke with you back in febuary, and score climbed from 565, 588, 601,618, 670, 745. 745 is july. Talking about WOW! just getting rid of capital one is all I did using your advice. I want to thank you, cause if it had not been for me reading that advice on your website, it would have not happened. Thanks a million man! Mike from Texas.
Use my statement on your site if you wish.... thanks again!
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Thanks Mike. 7-24-2007 pm
Your are the MAN.
Free credit help.

I have a capital one card that is very old and I know it has gone to collections, but I don’t know which collection agency. I have contacted Capital One since they are still listed on my credit reports as the creditor, and they cannot find the account in their system. I have disputed and disputed, but they come back and say the debt remains, even after they sent me a letter stating that they cannot locate me in their system or tell me what collection agency may have the account now.

What should I do
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Dispute the collection. I guess the capital one is not going away. You have tried. I assume you used certified delivery mail with copies of any documentation you have or should have saying not in the file.
I would tell you to re open with capital one but they are bad. So I will not. They report your credit limit as being whatever you charge so you are always maxed out with them.