Hi all. I have another question. I have a charge-off that I paid on July 16th, so we're right about 45 days after that. On TU and EX, it's reported the first of 2 payments that I made and is showing half the balance. On EQ, it's still reporting the full balance. How long is reasonable for the report to be updated to a paid charge off/0 balance? If it doesn't update soon, should I dispute with the CRA? Should I first call the OC and ask them what their story is?
Message Edited by Helena_313 on 09-01-200810:26 PM
Yeah, I just looked at my EQ report again (as of 9/1 - so yesterday or today depending on your time zone) and it shows last reported in August. I will call in the morning. Believe it or not, this is my last big obnoxious thing to tackle.
Talked to the OC this morning. She claims that in their system it's noting a paid charge-off, paid in full, but that the credit reporting agencies may not have picked it up yet. Umm...I asked her what that meant, she said that I'd just have to wait (their system didn't update until the 18th of August, for what it's worth). I'm tempted to just plain dispute the balances showing with each of the 3 CRAs.
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