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After your account is CHARGED-OFF


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I was reading my credit report and saw that a company that I had an account with in 2000 was reporting me 180 days late til this day. It was charged-off on January 2001. A year later I got a notice from a collection company that said they are only attempting to recover that debt, and I paid them.

Is the original creditor allowed to report me as being late after they charged-off my account?

I’d appreciate some clarity….someone?88-)

I myself do credit reporting as part of my job and I do not report people late after we charged their debts off. After the charge-off date, I leave everything after as “no activity avail for this date”, or if anyone is familiar as a “D”.

This is the only thing that is plaguing my report.

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