Credit Card Center Advertiser Disclosure

New Member
Posts: 5
Registered: ‎09-28-2008
0 Kudos

Old Credit Card that was purchased and Reinstated still shows negative

I had a old Credit Card that went in collections several years ago.  About 3 years ago I was contacted by Plains Bank in reference to this matter.  I was offered another credit card for what was owed on the old debt of 530.00.  The Plains card has been current and paid on time since I got it.  However the CRA still reports the Best Buy debt as Transferred,closed?Account charged off.  This debt is due to fall of in 2010.  Is it best to leave it be or to send the information I have to the CRAs. 
I also have a Credit Card with Comp USA that went into default.  This time I settled with the CAs who informed that the debt would be showed settled in full.  However the CRA has Transferred, closed / Account charged Off.  This debt is due to fall off in 2009.  Should I dispute or let it fall off.  I am afaird that if I say anything about paying that it will restart the date. 
Any help thanks
L. Stamps

Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.

† Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
‡ Credit cards for FICO Score ranges: The score ranges are guidelines based on internal myFICO analysis of actual applicant approvals, and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range. These ranges were not provided by any card issuer.

* For complete information, see the terms and conditions on the credit card issuer’s website. Once you click apply for this card, you will be directed to the issuer’s website where you may review the terms and conditions of the card before applying. While myFICO always strives to present the most accurate information, we show a summary to help you choose a product, not the full legal terms - and before applying you should understand the full terms of products as stated by the issuer itself.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.