Best way to handle this

[bradjohnson22]

Hello all.

I have a charge-off from NFCU for $3300 from 2002. They will not close a savings account I had through them and left $1 in it. They use that little itty bit of interest to apply to the DOLA once every 2-3 months. So yes the last time I spoke to someone with from NCFU was 2002, it looks as though I paid them an amount last month. I have disputed this 2 times through the 3 CRA's amd it came back as verified each time. I know NCFU has no documentation, there is no loan agreement with my signature on it. I know this for fact. I believe they have nothing and that is why they have never attempted to sue me. I wrote to the NFCU CMRRR and I'm disputing verification through them. Im expecting one of two things. One, they'll respond with a summons. Two, no response or some BS letter with no verification and a lot of threats. If one happens, Im ready to settle immediately for the full amount, out of court preferrably. I will just dispute it through the CRA's again and submit my results. Anyone else here been in my shoes on something like this? Your input is deeply appreciated.

[bradjohnson22]

By the way, I'd like to thank everyone here for all the information. I have removed 5 of 7 neg collections from my report in the past 6 mos. Hopefully those last 2 shoud be off in 2-3mos. I have disputed with OC and got response. I sent my results to the CRA's and requested Method of Verification, so hopefully those will be off soon. Just 2 accounts with late pays and 2 chargeoff's and Im all clear. Thanks again.