If the creditor can't provide proof of contract or documentation that proves you owe the debt then the account is unverifiable. If there is no proof then the account can't report on your credit report. We requested documentation from Capital One in which they were unable to provide so they deleted the account as fraud. I'm very happy for this member because we have gone back and forth with Capital One for many months. Stay consistent and don't quit. The credit agencies and creditors want you to ... moreIf the creditor can't provide proof of contract or documentation that proves you owe the debt then the account is unverifiable. If there is no proof then the account can't report on your credit report. We requested documentation from Capital One in which they were unable to provide so they deleted the account as fraud. I'm very happy for this member because we have gone back and forth with Capital One for many months. Stay consistent and don't quit. The credit agencies and creditors want you to give up on the process. #creditcomeup
