Charged off account

[Will50]

Hi, I was wondering if somebody could give me advice.  I have an account reported as negative on my CR.  I opened it in 2002 and was late 30-60 days several times.  I paid in full or so I thought in 2005, not realizing that there was a balance of 25 CENTS left on the account.  I never got a letter, a bill, a phone call, and when I discovered that the account was charged off, I called them, was told that I still owed 25 cents, so I took them the quarter.  Now it is still on my CR as a chargeoff.  How should I go about having this removed?  thanks for any help that you can give.

[newstart2010]

I would try disputing the account with the CRAs and see if it just comes off.  If it doesn't then I would try a GW letter to the CA and see if they are willing to take it off.

[llecs]

OP, all you can do is to send a GW if paid. Point out the balance in your letter. I wouldn't dispute because some creditors have been known to add lates where there were none before or update the reporting in such a way as to drop your score.

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newstart2010 wrote:
I would try disputing the account with the CRAs and see if it just comes off.  If it doesn't then I would try a GW letter to the CA and see if they are willing to take it off.

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Talking about disputing accurate info violates our Credit Repair Discussion Guidelines, Terms of Service, and User Guidelines that prohibit the promotion of certain types of credit repair.

[Will50]

Thank you!  and would I write the GW letter to the CRA or to the original creditor?

[llecs]

GW letters only go to the creditor....to the one reporting.

[Will50]

Thanks! I will work on that today!  I appreciate the advice.