I have been told that when a credit card company charges off your account that they can't show any dates after the carge off, that if you make an agreement to pay the dept and make the payment on time that they can show that payments are current but can't put a new date on them. Is this true? mine shows the date the charge off was paid - and it was even purchased by another lender but WAUM still showed the account. also they left a $300 balance on the account with WAMU so it shows up twice under different account numbers, and they made me pay $150 of the $300 to clear it. Then they sent it to collections for the full $300 . which they took care of , but then showed the new date of it being paid after the collection co had it. shows paid but 2 months after I cleared it with the collection co. Any Ideas I have disputed this 2 times and have sent the letter from WAMU showing the $300 was taken care of 6 months before.
Okay, are we talking the status date or the reporting date? It may have taken them that long to report it after getting payment from the colledtion agency. Does it still show the original charge off date and date of delinquency? The account should be removed seven years after the date of last delinquency no matter what you do. They have to update it with the date they received payment to reflect a zero balance or it would still be factored into your outstanding debt.What has WaMu said when you ask that they update the payment date with the CBs? But as I said that date doesnt mean a whole lot as the date of delinquency if the real deciding factor
Brammy wrote:The account should be removed seven years after the date of last delinquency no matter what you do.
The account should be removed seven years after the date of last delinquency no matter what you do.
Last or first?
Sorry to keep adding things but - I have to refer back to my credit reports and they are all total different on these accounts for WAMU- one of the reports shows 90 days late on Jan 2007.date of last activity Jan 2007- date of payment 2006 - and date closed Feb 2007.ouch. Its all wrong... haven't talked with MAMU for a while. I just disputed them with credit agencies.
From all you've posted you really need to get in touch with WaMu. The reason I say this is that if you have not had an accoutn with them since 2002 there is absolutely no reason for a date of last activity of 07. I would definitely investigate why I have two aaccounts showing when I only in reality had one. The usually happens when there is a lost card replaced but they both shouldn't be showing charged off.Sorry cant be of more help. at this pioint. Contact WaMu and see if you can get this first issue straightened out.