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01-21-2013 09:30 AM
Hi guys I have an applied card charge off for 2000. Still owned by applied. However on my credit reports it is listed in current accounts so I think it hurts n my score and utilization more. Can I dispute how its being reported, shouldn't it be a collection? I cant dv cause its the Oc... Suggestions?
01-21-2013 09:31 AM
Call them and see if they will settle for a lesser amount.
The balance is definitely affecting your utilization which is affecting your score.
01-22-2013 06:10 PM
i thought the rule is never call always do in writing.....
01-22-2013 07:50 PM
I prefer to start with mail, I just like the paper trail. However, I've used social engineering myself to get thing cleaned up. Sometimes actually talking to them does work.
01-22-2013 08:13 PM
Shogun, is it being reported correctly in current revolving accounts but in comments says chargeoff/collection. Shouldn't it be in collection?
01-23-2013 01:12 AM
Actually no, it shouldn't. It is being reported by the OC so it would show in the revolving accounts.
01-23-2013 05:04 AM
01-24-2013 10:58 AM
I was able to get Applied Bank to remove my paid charge off awhile back. Not sure if they will allow you to settle and still have removed, wouldn't hurt to call and ask.