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another charge off......DELETED (Tip for all)


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I called an OC the other day and told them that we moved a few years ago and forgot about the "bill" ($494). Actually, we did!. So I told the lady, I was sorry, BLAH BLAH BLAH BLAH. I then told her I would fed ex her a check as soon as I see that my CR is reporting paid in full or pays as agreed. Well, the whole tradeline was deleted--that was fine with me because it was OLD and not that much $.

Anything to get a charge off off of your report is a good thing!!!

Others might want to try this scenario--it worked very nicely for me...

Good luck...


PS...FICO score went up 26 points as well...

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