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I have a charge off from HSBC that was listed on my report on 12/1/2004. IT has apparently been in collection for about 8 years, without ever being paid. In light of trying to get a mortgage, I have been trying to get this paid for the past 18 months!!!! I keep getting the run around from HSBC and Capital one and they can never find the account listed anywhere. Back in February, I did finally get someone to find it, made the full payment for the account in the amount of 580.00 and sent it to the address specified. Here I am 7 months later, they have never cashed the check, and they can not find the account. I am diligent in calling every month trying to figure out how to get this resolved and removed (or marked as paid) so that I can get this mortgage! Can someone please give me some advice as to what I can possibly do here. I am at my wits end!!! Oh, and they also marked my account as FP on all three bureaus in February, for the first time since 2005 as well. It dropped my score 60 points! Help!!
