Credit Report Charge Off Creditors
2010
Credit Card Charge Off?
I contacted 2 of my creditors that listed my 2 charge cards as chargeoffs on my credit report and I requested that since they had been paid in full, could they be deleted from my report. I was told by them that they could not because they were reported as charged off, I can’t believe that. Can anyone tell me if this is true?
I had 5 cards in all–2 from each of these companies. They were listed as charged off, but I went back and paid them all in full. I was told by the companies that they would be removed and they haven’t been. 1 even told me that I had settled when I know for a fact that I paid in full because I had the full funds at the time–the 2 balances left are $46 and $61, I asked them did it make sense that I would pay 2 balances totaling about $1700 and not pay them off completely. Someone please help.
Is it 7 years from when I paid them or 7 years from when the last activity on the account was?
The reporting period would be 7 years from the time you first became 30 days late and never brought the account current leading to the charge off. Not at payoff, not at last activity (last activity can include the charge off dates which is not activity that “you” had done)
The reporting SOL cannot be re-aged.
Order your paid report from each CRA (credit reporting agency) Do not use tri-merge reports or the free FACT-ACT reports.
Tri-merge reports can carry inaccurate information that is not reported on your “real” reports. The free reports gives the CRA’s an extra 15 days to investigate any dispute you make, which could mean an inaccurate trade line remaining instead of being deleted.
If you don’t know the dates of the first times you became 30 days late and never brought the accounts current, contact the CRA’s and request the obsolescence dates. If you contact them by phone, request that they send you the dates in writing.
Look over your reports for “anything” that is inaccurate. If there is inaccuracies, dispute them with the CRA’s.
You might click on my profile and do some reading in the links I have listed – to the FCRA etc.
Learn what constitutes violations.
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