Rebuilding Your Credit

[golo]

Thank you all for sharing with others some knowledge.i search all over the forum and couldn't find any similar.I will try to be short,I recently on the last days of April I paid off a charge off from 06(I had a judgment on it,ugh) anyhow,I paid it off and I just recently pulled my TU report and the charge off says paid in full/was a charge off,but it also shows the same debt with a different account number and showing that is past due.My question is,can I dispute that as incorrect balance since I paid it off? Or should I contact the OC? Thanks in advance.

[How2increase]

What I would do is skip customer service and immediately contact executive office reps. Explain the situation and ask nicely to correct what is reporting. Dispute is your last resort. Good luck!

[RobertEG]

What does the different account say?  A collection?  Another creditor? The same creditor?

The OC reporting, now showing paid, is apparently correct. 

[golo]

The diffrent account says: Pay status Account 120 Days Past Due,still shows a balance.It doesn't say collection anywhere,it says close by credit grantor.It's the same creditor.From what i can see and understand base on my little knowledge,(thanks to the forum .) is like there's 2 accounts for the same debt,but the account number is diffrent and AFAIK i only had 1 credit card with them,why it doesn't show a 0 balance in the 2? I'm about to call them,but i don't like to deal with mean people,sighs.Thanks in advance. 

[LIGHTNIN]

IME, it's better to deal with the OC. As said before,disputing with the CRA would be your last resort.

Changing the CO to report PIF is great for you score wise. May I ask .... What the name of the CCC?

Just the OC the account reporting PIF is correct and if they would delete the other one with the wrong info.

Good Luck to you and let us know, how it all works out for you.

[golo]

Hi Lightn, the name od the ccc is Virginia Credit Union,they are the OC,i called them and their response was dispute it tru the CRAs or send them my reports so they can see,huh? ugh! I guess i have no choice but to dispute tru the CRAs,i will keep ya post it.