Capital One (formerly Orchard bank) is on my credit reports as a charge off from 2013.
I sent a PFD letter to Capital One and they responded via letter referring me to contact Portfolio Recoveries because they now handle my account.
Portfolio Recovery is not reporting on my credit reports and I dont want to poke a sleeping bear…
But if I send Portfolio Recovery a PFD letter and they accept, does that mean that Capital One will delete from my reports?
Please help me