dallaseagle567 Posted January 22, 2009 Report Share Posted January 22, 2009 Ok so I had an account, and in the process of refinancing the loan with a co-signer the original account went to collections...when the new loan pqaperwork went through, I see the old account is on my report as a paid charge off. I don;t think this is fair because I am still paying on the original money owed. Will I have any luck getting it removed and where would I start? Link to comment Share on other sites More sharing options...
CA Exorcist Posted January 22, 2009 Report Share Posted January 22, 2009 We need more detail and keep the new loan and the old loan separate.If the old loan was still being paid on why would it be charged off? Who were you sending payments to while you were working on refinancing? Was it to the Original Creditor (OC) or was it a collection Agency (CA)? Did you ever go way late on payments so that the OC put in on your credit report as a charge off?I think you need to gather as much information as possible and then perhaps give it to us to help. Right now there is too much gray area.I would start speaking with the Original Creditor and pull your credit reports through the mail directly from each of the big three. Perhaps if the OC finds out you were refinancing at the time that they Charged it off, they might remove it from your credit report while instead leaving a paid account with late payments history. Link to comment Share on other sites More sharing options...
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