Bullcrappy

This Cap1 acct is past SOL but found out about this site (below) and just want to know if this will reset anything or cause me problems to log in... again it is past SOL and falls off in 13 months... It was with NCO but now is back with Cap1 as of like couple weeks ago... My link

it has been validated and is mine. i am in PA As far as I know, it will re-age it. Have you tried DVing them, or 1-2 punching them? What state are you in?

NCO no longer has the Acct. I guess Cap1 took it back? I know from all my reading Cap1 does not do PFD. it is past SOL and should fall off in a year but i want ti gone sooner because it is destroying my credit number do to the utilization issue i mentioned above... should i call cap1 or wait for a letter?

MCM sent me a letter for an old HSBC debt. its past SOL and will fall off in one year. They want 40% and it s is like 400.00 bucks. If i pay the amount they state they will update credit report as "Paid in full" (they wont do a PFD, tried many times) If i pay this will this still fall off all together in one year (7 years or so from DOLD) ? of will the Paid in Full now stay on for 7 years because i re-aged it???

BUMP.... so what happened?

Not sure who my mortgage is with. I pay bank of America... i just didn't think anyone would touch me with 630 FICO scores... and if they did rates would not be much better then what i have now. Tarp will not help me i don't believe as i can afford my mortgage... i will talk to amortage broker i just dont want any hard pulls till i know i am going to get approved. i was shooting for 700 credit scores but that seems at least a year away now thanks

thanks guys. I see so even though it already says "charged off as bad debt" if they update it it dings me again. and I'm then still left waiting the year anyhow. I do have a mortgage and have not been late in 2 years. i have not really needed credit as i have had been using cash/savings for years. But with 6.0 rate on my mortgage i thought i would like to refi and save a couple hundred. Also possible get engaged but did not want to pay entire amount out of pocket (i could i guess) The mortgage dings were when i tried to get BOA to refi and could not and got into a game of chicken, i backed down when i got to 90 days behind. then paid it all up...they just would not work with me and i was stuck due to lack of and bad credit. I obviously made things worse and was not well thought out. i got old items removed and did a few PFD and got 4 credit cards (1 prepaid and other 3 1000.00 and under) and been paying them and keeping under 30%. Got my FACO scores to all new 700 but was super disappointed when i just ran my FICO to see my real numbers. If can't get Cap1 to do a PFD or take some % payoff for a "Paid in Full" CLOSED then i will wait. The Closed paid in full would help right? obviously get my utilization down and not much of ding since it wont be listed as charge off? thanks again.

Thanks all, that was my first take as well. and i have been rebuilding credit over last two years. think i was on right track and had what i understand now to be FACO scores from 685-699. I decided to run my FICO score from MYFICO.com and it was 630/623. digging deep it had my utilization at 107% !!!! which ever card i have now i keep under 30%. flowers you can see below the Cap1 is being counted towards my utilization. Credit Limit 1000.00 and a BALANCE of 2718.00! How can they count this towards my percent when i can't utilize it?? MyFico.com predicts a 100 point jump if i reduce my utilization!

If i can not get a PFD but NCO offers me a payoff amount what status should i request? "Paid off in Full" - acct closed?? NCO is not on the credit report but i guess they can change the Cap1 acct on my report?

anyone? no one ?

Well got a rude awaking. i have had TrueCredit (transunion) service and it has me with scores between 670-698 for all three reporting agency's Decode to pull my scores from MyFico.com and i have 630/623 (no score from Experian?) In any case a large ding per My Fico is that i am utilizing 107% and 98% of available credit which is not true. i have 3 credit cards which i keep under 30% (in fact all three are under 10% right now) A mortgage that i have not been late on in 2 years. From what i see i have an old Capital One act. that had been charged off and gone to collection. it says avail. credit limit 1000.00 but Balance 2718.00. so mi believe this is what is throwing my ratio off??? See below and please tell me what i can do. thanks for any help! Bull

ahhh damn ok. thanks!

If you request a credit limit increase and the credit card company does a fresh pull does it really affect you as they have a right to look as they are currently issuing you credit. What about your mortgage company? if i request to refi and they obviously pull my report would it ding me really as they are my loan holder currently and this does not look like "shopping" etc... thanks for any input bull

I was looking at getting a card from them... but now nervous as I have an (old 6 years)CO from HSBC. I'm guessing HSBC will deny me for the Helzberg card? All three score are just over 700... thx bull

A “soft” pull is one that does not affect your credit score. You can get 1,000 of these and it won’t matter as they are not visible to other people checking your credit. These are often done without your knowledge as long as they have a “permissible purpose by law”, and may include: A new credit card issuer or mortgage company wanting to send you a “pre-approved” loan offer. An existing card issuer (like Citibank) checking up on you periodically to make sure you haven’t been going nuts and opening 37 other accounts. An employer doing a background check before a job offer is extended. You checking your own credit history and/or score. A bank just verifying your identity when opening an account.