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I won my case against Capital one regarding some credit card debt.

Date: Sat, 01/18/2020 - 19:00
Submitted by Jeff.A on Sat, 01/18/2020 - 19:00
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I won my case against Capital one regarding some credit card debt. I checked my credit report a couple of months later and it still appears as "charged off". I contacted the 3 credit report agencies, filed a dispute online. They replied saying that this debt belonged to me so they didn't remove it from my credit report.
Can you advice on how to get it removed from my credit report, since my case was dismissed? (Capital one's lawyer filed a non suit)
Thank you very much for your help.


Capital One’s non-suit is not an admission that the account is not yours or that you don’t owe the balance. The judge made no ruling on the matter. He did not rule that the debt is not yours or that you don’t owe it.

Our credit reports are a record of our credit history. Under the circumstances, if the account was yours, it can remain on your credit report. “Charged-off” is accurate because the account was, in fact, charged off.


Submitted by vntrsc on Mon, 01/20/2020 - 09:41

vntrsc

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I'm confused. At one point, you're saying that you won the case. Again, in the next point you're saying that the court dismissed your case. Why did you file the lawsuit? If your debts were really charged off by the Capital One, then it will be there on your credit report for 7 years. It won't go away. This is the ultimate truth. Correct negative information stays on credit report for 7 years.


Submitted by Nick Jonas on Mon, 01/20/2020 - 23:50

Nick Jonas

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Nick, the fact that Capital One filed a non-suit means that Capital One was the plaintiff and the party who filed the lawsuit.


Submitted by vntrsc on Tue, 01/21/2020 - 14:58

vntrsc

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