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tropicaljo

? about charge offs

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If a credit card company is showing a debt as charged off, like 2 1/2 years ago, what are the chances that they've sold the debt to a jdb?

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Time is really no gauge to whether they sold it or not. Some companies never sell them, so do as soon as they're charged off.

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If it was sold, it should be listed as "sold or transferred account"

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Some do and some don't.

And you also have to figure in the x factor of the CRAs themselves. The CA might have reported it one way and the CRA is reporting it another way-remember, the credit report is usually not correct.

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