I would like to know the answer too. Anyone here know what is the answer. I'll do some Googling and get back to you if I got an answer. You should email the people at Lending Tree as they probably can help you..

Thanks for responding PsycDoc!.

The note that I posted above is the response that I got from the 2nd Nutcase letter which I faxed out today and which they responded to today..

I sent the the first nutcase out CRRR exactly 30 days ago. I got no response to it, so I faxed Nutcase #2 today, only I took out the line that read that I had received their correspondence, (because they didn't send a reply the Nutcase #1) and I added that this was a follow-up to the first letter that I sent to them from which I got no reply..

Please excuse the redundancy of my post, I just want to be very clear about my actions..

Should I send out Nutcase #2 again but with the modifications you suggest?.

I assumed that it was them reporting to the CRA, could I be wrong? Is there a way that I can find out?..

I had been assuming that only CA's reproted charge-off's but I guess that's wrong..

I went digging around in my records and found some paperwork from the OC..

I must add that I paid the CA before I found out about credit net, and about negotiating for a deletion..

Anyway...When I paid the CA I called the OC to let them know that the debt was paid (I thought this was what I was supposed to do.) At my request, thay sent me a letter confirming that the account was paid and that THEY "will update it to a paid charge off with all three national credit reporting agencies." I guess I over looked this sentence before. Does this mean that they really are the ones reporting it? And if so, how do I approach them(OC) with a request for deletion?..

The credit report doesn't list the CA's name at all, just the name of the OC before all of the account information:.

"Status: Paid/Account charged off. $430 written off".

So I guess I sent the letters to the wrong place (doh)..

So do I send a fax to the CA essentially telling them that their off the hook?..

That means the OC is reporting it..

Nah, save your 10 cents on the CA.

Start the nutcase over with the OC..

Thanks for the info, I guess I'll get started working on the OC..

Thanks again...