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Hello, nice to meet you...long story/rant/advice, please! I just pulled all three of my credit reports, starting with Experian last weekend and the other two today. I found a negative Capital One allegedly opened in 2008 (that I did not open), showing payments that I did not make. TransUnion and Equifax shows the last payment in November 2012; Experian shows the last payment in June 2012. I did, however, default on a Capital One account in the early 2000s -- that (surprise, surprise) I'm estimating should've fallen off my credit report in 2012. I had already disputed this 2008 account once a few years back and thought the things were corrected. This time around, I started by (stupidly, I'm guessing) disputing the Experian one online, with just enough room to type "I did not open a Capital One account in 2008." I did this over the Fourth of July Weekend. I magically got my results by 7AM Monday. Experian works holidays and weekends! Who knew?! They found the item to be in compliance with FCRA, the debt to be mine but noted that it was "transferred to another lender." I can't find hide nor hair of who that lender might be. I went digging through all my records. Thanks to the passage of time, a move and water damage, I no longer have anything pertaining to the original Capital One account. I switched banks in 2012 and found statements up to April 2012 from the old one and then nothing 'til I opened the new account in October 2012. TransUnion was showing payments to Capital One between January and November 2012 and, on the few statements I did have, nothing matched. No payments to anyone I didn't recognize. Nothing in those odd amounts ($19, $17, $39, $20). I'm so perpetually poor, I would remember making a deal or those payments!!! I look at the process for disputing this and just get exhausted and wonder, since I lack documentation, if it's even worth pursuing. Besides, couldn't they claim they got a money order or something? The only other accounts I've had (since the early 2000s Capital One) were an HSBC/Household Bank and a Credit One Bank and I don't think either of those two were tied into the reaging thing that Cap One did get into trouble for. (Speaking of, I also have a more pressing matter in the Credit One Bank account that's been sold to MSW Capital/"Whipple Law" PA -- so I will be scouring your DV letter resources for that). Anyway, sorry if that's too much to weed though. I look forward to hearing input from the folks here. Thanks!

My husband and I are hoping to buy a home soon, the only thing stopping us is the judgment on his credit report. His credit report says that it is estimated to be removed 03/2014. However, we have never had to deal with this before and just don't know what to expect. Will it be removed in March?