pranaman

Dealing with Old Debt from Chase

5 posts in this topic

I have an old debt from Chase for about $5K. 

According to creditkarma.com, I have 720 and 721 from Transunion and Equifax.

On experian.com I have 631, which also shows a balance due from a Chase Card that I owed about $5000. It only shows on experian. I was traveling and stopped paying in Dec 2011 and never settled it.

It says Payment Status - Charge-off, it also shows https://www.screencast.com/t/9vViwwOmC, and I don't think I received a collection letter for it.

What's my best bet in dealing with this at this point?

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If you stopped paying in December 2011, it will fall off on its own in 5 months. You can try to dispute it with Experian but a.) I doubt it will go away; and b.) you run the risk of them reporting to the other two. 

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It's what I would do.  I don't know if that makes it the "best" thing for you.

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