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Charge off status change and I am scratching my head, huh?


Tazzlarie
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Just looked at my TU report and a charged off tradeline has been changed from "profit and loss" to "closed by credit grantor". It was just updated. The balance increased and everything else is the same (still says charge off). I have only ever seen that comment on an account that has been paid off.

Has anyone else had this happen? And what in the heck is it supposed to mean? I just don't get the logic behind the OC changing the status.

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  • 3 weeks later...

Was an over sight on their part, that they dropped off on their reporting until you disputed and brought their attention to the matter.

Profit Loss & Write Off means the same exact thing as Charge Off, so they opted to emphisis the point that they closed this account.

You didn't win any ground on that dispute, just that they know closed by credit granter is view as another negative whammy on this matter.

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