bikeluver43 Posted April 19, 2012 Report Share Posted April 19, 2012 Hello, I've been searching and reading for a week or so regarding credit repair and having items removed from credit reports. What I can't seem to find is info on CCard accounts that were charged off but then settled a few years ago.I have 2 CCards that I settled back in 2008/2009:BofA - Pay Status "Account 120 days past due date" Remarks - "Settled - less than full balance" Date closed 3/2009HSBC - Pay Status "Charged Off" Remarks - "Purchased by another lender" Date closed - 7/2008Do I still go about the dispute's the same way then if verified used the 623 method? I still have my settlement papers ( ironically the CA for HSBC never reported anything to my CRA's) so these can't really be re-opened or any recourse from my understanding. Any help is appreciated and I apologize if this is a redundant question - I just couldn't find anything regarding a chargeoff/settlement. Link to comment Share on other sites More sharing options...
admin Posted April 19, 2012 Report Share Posted April 19, 2012 Just start out like this was any other account - try "not mine" first, then "never late", etc. Link to comment Share on other sites More sharing options...
bikeluver43 Posted April 19, 2012 Author Report Share Posted April 19, 2012 Ok,So basically continue disputing each and everything thing on the account. Do I ever reach out to the OC using the 623 method? Part of me knows they don't have this info on hand anymore due to the age/bailout/etc of records. Link to comment Share on other sites More sharing options...
Recommended Posts