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

Court for a credit card debt that was not mine.

I had a credit card company take me to court for a credit card debt that was not mine back in May. In fact I have never even heard of this company . I actually won the case. The judge dismissed the case with prejudice. The problem is that it still shows on my credit report. I proved to the courts that this debt is not mine . So how do I now get it removed from my credit report. Thanks for you help
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dispute it by certified mail.
send copies of dismissal along with copies of your personal details and effects.

I have been offered a settlement. Should I take it or not

Ive been offered a settlement amount for a store card that is 85 days passed due. The bal owed is 1600.00 ruffly there offering me 1100 but will show legally settled for lesser amount and this was offered in a letter that they sent to me. Should I settle or wait until I could pay the full amount which by that time could be hundreds more I have to get back to them by the 17th of this month any information would really help.
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cost less
i would do cost less
your credit already has taken a hit
settlement does not change this fact much
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Authorized user getting collection on my husbands account

My husband added my name as a joint or authorized user on an acct. without my knowledge or consent and then at some point he let the acct go to into collections. Now this is reported on my credit report. Is there any way I can have this removed from my credit report?
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I do not have a perfect answer
I would dispute the account as not mine with the bureaus then dispute them with the collection companies then validate the collections looking for your signature
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I have already filed a dispute with all three bureaus and am hoping for a positive outcome. However I contacted the lender today and they said that I was just as libel for this acct. even though I never signed for this credit card. Again I didn’t have a card for this acct. or access to the monies from it. It is my contention that both parties should have to sign if they are equally libel. If I go to my local bank and apply for access to 5000.00 dollars and I became delinquent they would not report my negative payment history on my husbands credit unless he signed to make it a joint loan. I have also looked into filing a complaint with the OCC who investigate practices by national banks. Do you think I should hold up on filing a complaint with them until I see if the bank responds to the dispute.
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I would wait and see
but if you called ... i would expect it to be verified... I do not know the law here.... try this place
see what they say...
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I am a divorcee of two years. Right after the divorce,

I am a divorcee of two years. Right after the divorce, my ex bought up a new car and other things on his own. He then filed for Bankrupty 3 or 4 four months later. I got a CC in my name(right before divorce) in my married name not maiden, because the divorce wasn't final. Now I go to change it over to my maiden name and a balance xfer, I get a letter stating that my Int rate is goin up to 24% The CC co said it was becuse of my EX's Bankruptcy. HOW DOES HIS BANKRUPTCY AFTER OUR DIVORCE AFFECT MY CREDIT?
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credit card companies have crazy rules
since the divorce was no through? sounds like a credit card compnay to me
All I can say is try to open another account with another card
then transfer the balance.
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Should I pay American Express or the collection CA

My charged-off account is with American Express; I owe $1,074 and can pay it in full. I have received letters from a CA willing to settle for $700. My Credit report lists only Amex. I was planning to reopen the account to replace the bad credit by paying in full. Would it report the same if I just settle with the CA for $700 and find an alternative source of credit (like Old Orchard). I spoke with Amex and inquired about any good will policy that could be implemented with payment in full – they referred me to their credit department (which I haven’t contacted yet). Since this will fall off in 2009, I want to avoid any re-dating by Amex, but I would also like to take care of my obligations.
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It would be better to do business with amex
they will blackball you forever if you do not pay them no matter what your report says
and
you can get new good credit with them.
bypass the ca, but ask amex about the ca and if you pay will the ca go away
get something in writing, on business letter head before you pay
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Settlement advice needed on old credit card collections

I am getting conflicting advice from several debt counseling companies and websites, and so I am writing to you. I read all the archived posts on your website and admire your common-sensical and practical approach to debt reduction / credit enhancement.
I have accumulated about $32,000 in charged off credit card debt. Recently, I paid off 2 cards in full (original creditors) and still have $26,000 debt left.
The rest of the cards are with collection agencies and they are offering settlements. My confusion is whether I should opt for the settlement or pay the debt in full. If I pay in full, it will be reported as 'paid in full' on the credit report but the 'charge off' notation will still remain. If I settle, it will be reported as "Settled", but the 'charge off' notation will still remain.
My other problem is that if I opt for a settlement, they want me to settle in 3 monthly payments, which I cannot afford.
My question is, should I settle and save some money or pay in full and get a better score on my credit report - which will hopefully help me when I buy a car or a home.
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there is really no difference on your credit report between settled and paid in full if the charge off notation still shows
which it probably will.
most collection companies pay .30 to .40 on a dollar for the right to try and collect anyways
unless they are in house collection companies and the collection is less than 1 year old. if i could setle I would. the reason they offer 3 payments is because once they offer a settlement or payment plan an you take them up on it. They cannot take you to court over what might remain if you fail to pay in full.

Discover with 3200 balance closed out

I just settled a Discover card account. It had a $3200 balance and I settled it for around $1300. I asked if it could be removed from my credit report after it is settled and the agent on the phone told me that it will remain on my report for 13 years. I have heard of 7 years, but this 13 thing seems very excessive. Is it true that I will have that account showing on my report until 2021?
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7 years on credit 10 years in some states on public records, judgements, bk's and the like so he is legally incorrect but is ofetent the case these bad debts get sold and you can be suffered even longer than 13 years if the debt goes to collectionsfight it hard with the debt validation letters on this webpage sample credit help from letters
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So the remaining balance after I settled the debt can then be sold to someone else and I will still end up possibly having to pay it? It sucks because it was originally only a $700 line of credit that had a bunch of late fees and over limit charges added to it.
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no i made a mistake
you settled and paid call or file a compliant online with your state attorney general
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I have fair credit right now. The cards I can apply for have small annual fees but nonetheless it costs money to have them. I have read what you say about 3 open lines of credit. If I just get one of these cards, will it bump my score enough where I can qualify for cards with no annual fees? I know its not a large amount of money (about 30/yr per card) but I would rather not have to pay any annual fees for cards if there was a way around it. Or is it better in the long run to just suck it up and pay the annual fees for a year or 2 and then get different ones? I feel like a tight-wad for writing this but I just got done shelling out a half-ton of cash for negative accounts on my credit report (I was able to negotiate most of them to some extent) so I am looking to save anywhere I can.
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you have to start somewhereso i would do it and one year from now try another
pick up a gas card at a local gas station and send money order with application by certified delivery mail

My credit card went to collections and now two entries are on my report

i have a credit card on my credit report, but they sold my debt to a collection agency. i called the agency and have made arrangements to pay off this debt. my problem is i have two enteries on my credit reporting the same debt, that of the original credit card and that of the collection agency. what can i do to get one of these removed?
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you should validate the debt then
negotiate before you pay
then pay even if they will not negotiate
i would try to re open the credit card and, go for good credit with themNext: dispute one account then, the other and hope one falls off, and if it does not, call and try to get a signed letter with company letterhead that says you paid as agreed and were never late. most of the time, this part does not work on the original creditor, but can work many times with the collections company
get and keep good rated credit at least 12 months, that reports to a major credit bureau.

Relative opened a credit card without my knowledge, it messed up my credit

A relative of mine opened an account without my knowledge and it messed up my credit and also a mortgage loan with late payments was my them also. How do I get the credit bureau to take this off my report.
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a relative?
a husband or sibling is about all that get away with this stuff
ask for your signature. ask the creditor. threaten to put in a complaint to your state attorney general

and how you could get a mortgage without your knowledge just doesnt sound right.
i need more information.
but the same would go for the mortgage.

on the surface this sounds fishy
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The mortgage is in my name but they live there and were suppose to pay the payments but due to illness have not been able to pay it on time a few times. The credit card account was under my name and social #. I just need to up my credit rating as my husband passed away and I need to move but my loan rate is 619 or so. I don't want to prosecute .I just want some way to get my credit repaired.
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under your name how
on the credit card first
the home loan second

did you sign for either
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I did not sign for the credit card and by the time I found out it had a high balance in it. Yes the loan is in my name but they make the payments and live there. It has been late a few times but is currently paid up and will stay that way. The credit card debt I am paying but I just want that to be on my credit report that I am not responsible
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I will have to say
even prosecution will not repair your credit in most cases. But if you plan to get monies back off a credit card deal, one always has to file a police report and go to court. period

as far as the house goes. if you let someone move into a home in your name with your loan on it expecting them to pay it and they did not then you are screwed. There is no law or inference that says just because you were not living somewhere that you had a loan that you are not responsible for the loan. You should have kept up with the payments yourself and made them if they were going to be late, and kicked theyre butts out if they didnt pay. doesnt matter if they were sick or even if they died. all that matters is if you made payments on time
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on the credit card, if you file a police report and go back on the card and whoever signed your name.
then
you can get that one off your credit in most cases. it will take work

on the house
if
you can catch these up and get the late payments behind more than 24 months behind you, then your score will go up.
i would suggest you selling the house NOW and eliminate further possible complications and, ensure you can get the late payments behind you.
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softer landing help your credit score information.
plus
you need 3 open good lines of reported credit that is at least 12 months old. I do not think this is your problem but thought I would mention it to make sure.
plus
you need to make sure all of your reported credit shows less than 80 balance owed to high credit limit.
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i know the prosectution sounds harsh. But what is worse, you taking the fall for someoneleses misdeeds or them.

another thing
if you are wishing to move or buy another house. Your debt to income ratio has to be less than 45% so you almost have to sell that other house in many cases unless your income is super duper
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I hope I am not being charged for these e-mails. The house payment has only been behind 2 times out of a 5 year period. It has been paid on time for the last 15 months. If I could get a document signed that I was not aware of the credit card fraud ( which by the easy I have on my credit report) do you think that will work.
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i dont charge anyone for anything ever

well you are about 9 months from the house payment not hurting your score with good reported credit the last 24 months. 15 months is behind you on your house now and that counts as one good line of credit. So your score will jump 20 or 30 points in 9 months more than likely. The only bad thing about a house loan or car loan is the late payments will show on your report until the day you pay it off in full and 7 years after that. it doesnt hurt you on your score if the lates are old. BUT they will show as one time in the life of the loan you were late. thats really sucks. It happend to me on a toyota car loan. Thats why I say sell the da.. house or refi the thing or something to stop this from happening

the only way to get the credit card off your report or the lates on the credit card off your report is to
and i have tried things of this sort myself plenty before
you have to show the error was on the creditors side. PERIOD.
You can do that if you can show or prove you did not sign nor ever meant to sign and they took an illegal signature for a relative? I feel sorry for the relative but more for you. If this relative means that much to you then just take the heat. but you cannot have it both ways i am afraid.
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the best thing for now
get your balances on all your open accounts to less tha 80 percent 50 if you are great
if you have a few of these, then your score will go up right now. promise

Denied credit card for lack of credit. How do I get credit?

I moved here last year March 2007 and been using a credit card as a secondary holder. I tried to apply for a credit card last month, January and was denied for the reason that I haven't been established my credit. I have been trying to call Experian, TransUnion and Equifax, but they are all automated and can't talk to anyone. You might know any number that I can call or you might suggest me on how to build my credit... Like how to apply for a credit card to build my credit... What steps should I do? I thought having a credit card as a secondary holder will establish my credit, only to find out that I just wasted 1 year
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new law on authorized user blanked that. it was called piggbacking. you dont really do anything and get good credit. that was not fair
go here and get a credit card for bad or no credit. most if not all of these credit cards report to bureaus
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Thank you so much for the response! You are truly amazing! I actually went to this website this afternoon. I got it from one of your articles. Only New Millineum Bank offers "no credit credit check required" with 19.50% APR! If this is the only way to build my credit, then I guess I have to take it
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Oh by the way, I forgot to mention that one has to deposit a minimum of $300 with New Millennium and the credit limit will be equal to the balance in the collateral savings account. I hope there is other way to build a credit aside from this set-up
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after one year ask to be cut loose from that arraignment
or
and
go ahead and get another card that does not require that.

stop by a bp oil gas station or exxon and pick up one of thier credit card app forms
apply and hope
if they turn you down call them apply again but send in 300 with your app
charge your gas only for one year and pay more than you charge each month
at the end of one year treat yourself to a gas party ot trip


keep these account open for at least one year to get a rated trade line
here is another get new good credit form i forgot about

you really need 3 rated lines of credit but you dont want to burden yourself or mess it up

Have 3 open lines of credit in good standing

I do have 3 open lines of credit in good standing. I have not gone over the credit limit nor have I made any late payments. One card increased my limit by $250 and another will be increased by $200 in 3 more billing cycles. Unfortunately, I opened 2 of the accounts less than 6 months ago (nearly 4 months ago). I know that is not long enough..... I have had the other card for over 1 year. They each have less than a $10 balance on them. One has $5. One has $2 and one has $8. I saw on your website that it is a score booster to keep the cards at less than 80% of the balance. I am trying desparately to get the lowest score up. I just don't know how to go about doing that? I had a negative item deleted from my credit report which allowed my Experian score to go from a 628 to a 640 in less than a month. Any suggestions would be greatly appreciated. I am going to try and purchase a home in a couple of years. I don't want a lender to reject my loan or to give me an astronomical interest rate.

Please help!!!!!!!!!!!!!!!!!!!!! with any suggestions. Again, thank you for the quick response. I am recommending your website to all of my friends and family.
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your high credit limits are low too
you have whats called a thin credit file
one needs some pretty big high credit to go for a home loan
if you have 10 to 20 % down you should be ok thought
ask to have your credit limit increased on those cards.
the 630 range will get most people financed if the credit file is thick
your job is good and youve been there a while?
youve got a good downpayment

anything can be overcome with a downpayment.

3 open credit cards. Should I switch to a 0 percent card?

If I only have 3 open credit cards and one is offering a 0 percent interest. I would like to transfer the balances to one card. Would that cause a significant drop in my credit score? Because then I would only have one open line of credit. Is it best to just keep them separate. I have tried to get the credit card company to lower the interest rate but they will not do so.
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I "hop" credit card interest rates my self.
do it but only use 75% of your total high credit limit
if get a credit limit of 15,000 dollars do not use more that
15,000X .75 = 11250. I have to remember most credit card companies charge a .03 balance transfer fee on each transaction. That's why I say 75% rather than 80% for my credit limit ratio. If I pay the fee up front and I get 0 percent for like 6 months my total monthly obligation goes down because the payment has less interest built in. Many times I can quailify for another card when 6 months run out because my debt to income ratio goes down when I pay mostly on priciple. The main thing is lower my prinicple by paying less interest

On the down side of credit scores I must remember it will take 12 months for my new credit line to get rated.
On the upside my credit card I am giving up is rated too so My score should not be affected to much in most cases where I keep good credit and less than 80 ratios.

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

How do i pay down credit cards to raise my score fast

If I need to payoff my credit card balances to raisemy credit scores, what is the best way? Do I attackone card or put any extra money towards all cards? DoI focus on a higher interest rate card or concentrateon paying off a particular card one by one? If I havea high debt to credit ratio how willing are thecreditor to lower an interest rate. I have never hada late payment, but I do owe too much money.
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to rasie you score
pay each card down to less than 80% against your credit limit
if you have a limit of 10,000 pay it down to 7,999
do this for each card.

this raises scores.

Macy's charge off credit card did not change last name.

In 2004 I returned to my maiden name. All credit card companies promptly changed my last name per my request except one: Macy’s. A year and a half ago I had moved and informed Macy’s, but they still did not change my address (and subsequently my last name). I apparently had a small balance (less than $100) on the account which I had thought was paid off, but because the last name was not current the post office did not forward any bills. 6 months later I received a call from Macy’s wanting a payment, which had now doubled due to late fees. I immediately paid over the phone, but for some reason it did not go thru, nor did Macy’s return the call to inform me so my account continued to be delinquent. I checked the account online out of curiosity a month or so later and saw the balance and promptly mailed a payment this time by check. I also wrote to Macy’s informing them of their incorrect name and address and that being to reason as to the delinquent payment, and asked to close the account. This has hurt my credit score and I was wondering if there was any way to rectify this problem. Will adding a comment help?
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all of the reasons do not fly
last name and did not forward because of last name change and move


you already paid
when you pay before negotiating the account stays on your report
get new good credit and forget abot past old bad credit

you did what i would do and that is pay and go on with your life

Trying to raise my score.

Bo: i am in a long term dispute with two credit card co.`s.I have not heard from either one of them in two yrs, except the this last week, I received a letter from the arbitraition forum that might case was dismissed. My score was from Experian was 765, score from Equifax was 330. should I send the letter from the forum to Eqifax and ask to have this neg. report removed, because it has been dismissed? thanx
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yes you should
765 and a 330
something is wrong
350 is the botttom i think?

Reopen a past charge off credit card and pay them and extra 300.00. pay more than you charge each month.

I wish I read your blog before I made a payment on my Charge Off. Here's my question:

I received a charge off in July 07 from Victoria's Secret. I used the credit card once. I forgot I used it and they never sent me a bill. They contacted me six months later telling me the card was charged off and asking me if I would make the payment. Emergencies occured in my life 3months later and when I contacted them again they gave my account to a collections agency. I contacted the collections agency and agreed to pay them half of the amount. They told me that I could go to any Victoria secrets store to make the payment which I did. I still have the other half to pay. My question is...since I made the payment to Victoria Secret which I have a receipt that I paid half of the amount to Victoria Secret. Is there anything I can do to get them to remove the "charge off" from my account. Im hoping to go to school in a yr. I have a feeling because of this I wont be eligible for student loans or private student loans. I hope you can help me.
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pay it off in full
then add 300.00 extra dollars to it and re open the account
pay them at least 10.00 a month every month more than you charge.
after one year ask to have the charge off removed
revolving credit
ie credit cards
usually only report the last 24 months activity
so at the very least they should help you in 24 months
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no
pay them 300 extra to re open the account

everything else is right
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Hi Bo,

Has this plan helped anyone remove there charge off from there credit report?

If I have I pay the extra 300 dollars to open the account. Wouldn't that just them owing me and 300 dollars that wont be debt but a plus. Would I have to then charge on the card more than 300 dollars to be in debt with them?
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i did it with my bp oil credit card
i was charged off for 345 bucks in 1992
i paid that off
called them and told it wanted better credit and to be a real person
and i was wiling to send them 300.
if they opemed the same account
they did
i paid them extra each month till my high credit limit went from
300 to 500 in one year because i built up money they owed me.
after one year i asked them to take the bad stuff off
they did and thats the best move i ever made
and the best move for anyone trying to help their credit

Got a lowes card charged off Ge Citi 7300

I “had” perfect credit and a very high credit score. I have never paid a bill late in my life.

I purchased cabinets at Lowes a year ago and applied for a Lowes card with 12 mo/no interest/no payment. I didn’t open the first few statements since no pmt was due.

A few months later I got a call that I was late. I explained it was no interest/no pmts. I got a third call in Dec that at first said I was late. Then the Lowes rep checked and said “you ARE under promotion and it wasn’t entered correctly”.

I admit I am remiss in that I didn’t verify it was fixed, but I received no more calls from Lowe’s, so I assumed it was ok.

In Spring 07, I received a call from a collections company. I do not know if it was Lowe’s GE credit company, or an outside company. I assumed they had outdated info and refused to deal with them. I answered no more “out of area” calls.

Shortly before my one year mark, I attempted to pay Lowes online, but my account wouldn’t allow a pmt. By now, I had misplaced my contract, so I called the local Lowes and asked them to send me a copy. It took several calls and faxes and ended up being only the install portion. By now, I was past the 12 mo date.

So I went to Lowes and talked to the head manager. He was very nice and assured me they would get it fixed. I told him it might be in collections and now it was past the 12 mo mark, but he said they might be able to undo that. He contacted GE and GE wants me to send a dispute letter, but the manager is trying to get me a copy of the contract first.

Coincidentally, one day after I talked to the Lowe’s manager, CTI, a collections company, called me at work and said I can only pay THEM now. They started to offer a lower amount, but I said I didn’t want to “settle”, as that would stay on my credit report and get reported to the IRS. I said I wanted to pay the original amount (no interest or late fees), but I wanted assurance that nothing negative would be on my credit report.

When I told them about the no interest/no pmts mistake, they said they would call Lowe’s/GE. I regret talking to them now, in case they muck up what the manager is trying to do from the Lowes/GE end.

#1 – If Lowes/GE sees the 12 mo no interest/no payments on my contract, can they legally pull it back from CTI and let me pay them? If I have to I will pay the interest, even dating back to the purchase date since I went past the 12 mo mark, but what would I need first from them to assure me they will clean up my credit report?

#2 – Any chance they will refuse to give me a copy of the contract? If they get wind that I have lost mine, will they lie and delete the no interest part? (I’m a bit worried it was never put on there, but I have hope since the one agent did admit seeing it).

#3 – If the contract does not state “no interest” and I have to deal with CTI, what should I get from CTI prior to paying? CTI mentioned a “paid as agreed”, but I see you suggest “paid as agreed and on time”. What else can I ask CTI to do to remove any trace of negative info?

#4 – Even if I get CTI to do these things, won’t Lowe’s keep reporting negative info? I would think I have no leverage to demand Lowe’s fix anything if I am not paying them.


My main consideration is in undoing the damage to my credit, not paying the least amount.

Original - $6600
Charge off to CTI – either $6600 or $6900 (couldn’t clarify)
CTI’s current amount - $7300

I know I brought this on myself by procrastinating and not following up with Lowe’s. But I feel they made the first mistake and should be willing to consider that.

Thanks for any help you can give me. (Please reply to all, so that I can get it at home).
---------------------------------
BO
you didnt do right on the lowes from the start
they alerted you there might be a problem and you ducked it.
that will get you burned no matter who is right or wrong.

all you can do is pay it and go on
negotiate but pay it no matter what they agree to
--------------------------
You are so right.

But what should I ask either Lowes or CTI to put in writing prior to me paying them anything?

Is “paid as agreed on time” all I need to make sure my credit is fixed?

Thanks for replying – I read your blog too and you have very useful info.
------------------------
Bo
this is the best full answer for an uneven but frequent question I get
Citi is lowes
but maybe lowes can you you on their end too
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College discover card and master card maxed out. Remove fix clean delete late payments raise credit score

In college i was given a discover and Mastercard that i maxed out and eventually had serveral late payments. After graduating I was able to pay off both of the cards. During college i closed both of the cards, thinking that it would help me. In 2006 my credit report showed that both cards were paid in full. I thought that i needed to establish good credit by getting a new credit card. The only company that approved me was capital one. I have been paying all of my bills ontime, but my credit still lingers around 640. What should i do to increase my credit. Currently i have a balance on my capital one card. Also, is there anything that i could do to have the late payments removed from my credit report -i.e. discover and mastercard? Should i open the discover card account - which is my oldest account - and have my balance transfered from capital one? Please help! Also, I have amortgage and two other credit cards open which are in good standing. My goal is to hopefully have a minimum credit score of 750 in the near future
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if you had late payments and paid something off before negotiating you cannot help your report.
Unless
I re open one of those same accounts, pay good 1 year, then ask for removal of old lates.

get 3 open rated accounts with no past lates, drop balances on credit limits to less than 80% of maximum.

shoot for 700-720