pranaman Posted July 10, 2018 Report Share Posted July 10, 2018 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? Quote Link to comment Share on other sites More sharing options...
Harry Seaward Posted July 10, 2018 Report Share Posted July 10, 2018 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. Quote Link to comment Share on other sites More sharing options...
pranaman Posted July 22, 2018 Author Report Share Posted July 22, 2018 thank you. So, the best thing to do - wait it out? Quote Link to comment Share on other sites More sharing options...
Harry Seaward Posted July 25, 2018 Report Share Posted July 25, 2018 It's what I would do. I don't know if that makes it the "best" thing for you. Quote Link to comment Share on other sites More sharing options...
pranaman Posted July 26, 2018 Author Report Share Posted July 26, 2018 thanks Harry, sounds like the best choice at this point. Quote Link to comment Share on other sites More sharing options...
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