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Hi everyone, I just want to know any info or positive stuff on how can I get to remove a PIF charge off from Sears.
Alredy sent last week goodwill emails to citi and past tuesday received a call from corporate office from a nice lady to say they were going to look into my case and give them 7 business days, she also gave me the number to follow up and her name obviusly to follow up.
I'm really excited but dont want to get my hopes up just in case.
That charge off was paid in full last year and on experian is not reporting like it should in matter of date closed and is affecting my last delinquency date on that account appearing like it was on february 2016 and last delinquency was on 2013 like it shoes on EQ and TU being accurate.
Any advice or experiences dealing with CITI and this type of calls after goodwill will be really appreciatted.
Thanks!!
A creditor can continue to report delinquencies, even after having reported a charge-off.
Yes, continued reporting of delinquencies results in those delinquencies being considered by the FICO algorithm.
However, once the debt is paid, any subsequent reporting will no longer show a delinquency status or add an extended date of delinquency.
Thus, FICO will not treat the update as an extended delinquency status.
Additionally, if no other updates are provided, the CRA reporitng manual instructs that updated reporting should cease after the debt is paid.