No, I didn't do anything and nothing changed that I could see on the account. I didn't contact them. EXP notified me that there was a change. ***They added a new late payment in the last 60 days. ***
No, I didn't request to close the account.
I know I still owe it. I wanted clarification on if it should read a $0 balance due to it being a charge-off.
I disagree that it can be paid one month and 120 days late the next. That would infer that the customer hasn't paid for 120 days, which is incorrect. If there is a payment, then it's not unpaid. And its not unpaid 120 days in a mont