@Anonymous wrote:Has anyone had any success with getting a charge off from Plains Commerce bank removed from credit report? If so, could you please let me know exactly what steps were successful for you. I can't seem to find any success stories about Plains Commerce removing CO's. Thank you in advance.
Only on Experian
Date opened: May 2004
First Reported: Sept 2007
Date of status: July 2013
Type: Credit card
Original amount: $450
High balance: $713
Recent balance: $663
Status: Account charged off. $663 written off. $633 past due as of Oct 2013.
This account is scheduled to continue on record until Nov 2019.
Do I DV first to see if Plains Commerce still holds debt; or if they sold to a credit agency? ( no credit agency reporting on my report)
Do I contact Plains Commerce and offer to PIF?
Do I contact Plains Commerce and pay in full; then do GW letter in hopes they will then remove from report?
Do I contact Plains Commerce and request PFD? Per the posts on this forum they do not seem to respond to PFD.
I am willing to pay this debt in full. I would like to know the best way to go about paying in full AND getting it removed from my report.
I'm not going to let the cat out of the bag yet...
What I'll advise you to do involves the determination of them owning it still, or if it was sold to another banking entity in '09 (there's a specific reason for this).
Just call them, and ask if account #******* is still owned, hang up, then report back here.
I'll follow through once you know.
What was the DOFD on this card, OP?
@Anonymous wrote:Has anyone had any success with getting a charge off from Plains Commerce bank removed from credit report? If so, could you please let me know exactly what steps were successful for you. I can't seem to find any success stories about Plains Commerce removing CO's. Thank you in advance.
Only on Experian
Date opened: May 2004
First Reported: Sept 2007
Date of status: July 2013
Type: Credit card
Original amount: $450
High balance: $713
Recent balance: $663
Status: Account charged off. $663 written off. $633 past due as of Oct 2013.
This account is scheduled to continue on record until Nov 2019.
Do I DV first to see if Plains Commerce still holds debt; or if they sold to a credit agency? ( no credit agency reporting on my report)
Do I contact Plains Commerce and offer to PIF?
Do I contact Plains Commerce and pay in full; then do GW letter in hopes they will then remove from report?
Do I contact Plains Commerce and request PFD? Per the posts on this forum they do not seem to respond to PFD.
I am willing to pay this debt in full. I would like to know the best way to go about paying in full AND getting it removed from my report.
Tweetdog
enable your private mail, I will send you info that will help you get it removed, worked for me in 3 days.
traveler2005
Starting Score: TU 573 Exp 523 Lender Pull, Eq 583
I recently gw'd them in January in regards to a charge off from 2009. They have sent me a letter February 1st stating they sent a request for removal from my credit reports - but as of right now, they are still on my timelines, smh. Then I called and they stated that they did send a request last month and for me to just wait... so I'm not sure what to do next......Anyway In my opinion I would write them and request a gw until you get a response.
Your private email here on my fico. Tried to send you message but it said it wasn't set up.