bigmistake22 Posted May 11, 2022 Report Share Posted May 11, 2022 I have a question about credit reporting. I know I can't remove a charge off but just trying to understand what happened before I pulled my report. Is there a way to get a copy of older credit reports? Brief summary (willing to give more details, just don't want to bore anyone with specifics) Synchrony bank/Care Credit card was charged off for $8200 in 2019 (DOFD in 2018) It was sold to a JDB, Credit Corp Solutions and they used Stillman law to sue me. It was a terrible time, I couldn't pay/panicked so I ignored everything until March 2022 (big lesson learned). I paid Stillman law for less than full balance early March 2022. They told me they do not "report to any bureaus but they do inform Credit Corp solutions that the account was paid". I was worried about what my report would show so I waited until the payment cleared and pulled my credit report on March 31, 2022. At that time, there was no reference to Synchrony Bank/Care Credit OR Credit Corp Solutions/Stillman Law on my credit report. I thought the reference to Synchrony/CC or credit Corp Solutions was removed but, after reading the board here, it seems like maybe it was never on my account? There's no way that Synchrony removed the charge off from my credit report in just a few weeks, right? Now that I know more, I'd love to see what my report looked like before I paid the balance. I ask asking this b/c I have a different charge off w/ Comenity/Crown Asset Management/D&A Services. It's for a measly $350. I'm willing to PIF but am trying to figure out if that's the right move, esp if comenity doesn't remove it. I guess I'm being hopeful that for some reason Synchrony removed the charge off and that might happen w/ the comenity one too. Thanks in advance...feel free to write and tell me I'm a fool Quote Link to comment Share on other sites More sharing options...
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