Recent content by MadPhrozenSpork

They will not remove it. Many representatives will say this either because they do not understand how credit reporting works, or to encourage you to make the payment. They are not required too remove it, and it can report for up to seven years from the date of first delinquency. I suspect the...

I was declined for a Capital One card, and the reason given was a prior charged-off account from a few years ago. That account has since been paid in full. Is it possible to have this decision reconsidered?