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Credit report question


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After looking at my 3 credit bureau reports i noticed that one of my older accounts(3 years) is reported properly on 2 reports but is reported as a charge off on one of the reports. All 3 reports reflect a zero balance with the two accurate reports being perfect.

Would disputing it on the one report cause the creditor to give me a charge off on all 3 reports? The report that shows the charge off is my highest fico score.

They also put that it was closed at consumers request. I didnt think a charge off could be closed at consumers request.

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