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Can a charge off be reported like this?


Lil Smurfette
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I disputed a charge off as balance history incorrect. EX just notified me that the balance history was removed, but is still says charged off.

Do you mean payment history? As in they removed all the late dates but the CO notation remains? Yes, they can report like that.

Also, do you think it is possible to have an OC re-age an account that was charged off 04/03. :cry:

Sure it's possible, why do you think it's being re-aged though? It's only 3 months old....

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Swede, do you think a goodwill letter would be my best approach to the OC. A CA has the account but they are not reporting it on my credit yet. It's now with the second CA, I received something yesterday stating "If this is not your debt please dispute within 30 days from the date listed on this notice".

So, by them removing the payment history will that improve my score any, or does it really matter if it's on there or not?

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