So a few years I had a ginnys account that went to charge off status. I paid it and it has reflected as a paid charge off closed account since. Approximately 2 months ago I received a catalog from ginnys I logged on to my ginnys account and it showed my account (same account number is open) with a 750.00 credit line. I ordered some towels and paid the account in full a few days later. I have since disputed to all 3 CRA's that they are reporting the wrong information. The account is open. Has a 750.00 credit line and is currently current. I received a response from eqifax that states ginnys is reporting accurate information. I also sent eqifax a copy of my latest statement. I think they ignored it.
So now do I send a 623 to ginnys. I understand that in the comments they could say was a charge off. But it should now report as an open account with a credit line and show a current status or be deleted.
What should I do? I haven't heard from TU or experian.
So now do I send a 623 to ginnys. I understand that in the comments they could say was a charge off. But it should now report as an open account with a credit line and show a current status or be deleted.
What should I do? I haven't heard from TU or experian.
Starting Score: TU 573 Exp 523 Lender Pull, Eq 583
@traveler2005 wrote:
So a few years I had a ginnys account that went to charge off status. I paid it and it has reflected as a paid charge off closed account since. Approximately 2 months ago I received a catalog from ginnys I logged on to my ginnys account and it showed my account (same account number is open) with a 750.00 credit line. I ordered some towels and paid the account in full a few days later. I have since disputed to all 3 CRA's that they are reporting the wrong information. The account is open. Has a 750.00 credit line and is currently current. I received a response from eqifax that states ginnys is reporting accurate information. I also sent eqifax a copy of my latest statement. I think they ignored it.
So now do I send a 623 to ginnys. I understand that in the comments they could say was a charge off. But it should now report as an open account with a credit line and show a current status or be deleted.
What should I do? I haven't heard from TU or experian.
If the same account number is showing a CO and an open current account then there is a problem. I would dispute directly with Ginnys on it and if that does not resolve then possibly a CFPB complaint would be in order.
It is still showing the account closed when in reality it is open but shows that the last payment was last month. Doesn't make since. Still shows charged off status
So both equifax and TU updated my Ginnys account with my last date of activity of 7/2014 but are also reporting the account is closed. The account is open and has a credit line of 750.00.It is the same account number. I used it last month and paid in full. Below is what TU is reporting. Now that the CRA's are still reporting wrong do to what Ginny's is reporting to them. Is it time to send a 623 to get them to report the correct information?
@traveler2005 wrote:
It is still showing the account closed when in reality it is open but shows that the last payment was last month. Doesn't make since. Still shows charged off status
Status as ofDate opened [?]Date of last activity [?]Date closed [?]Loan type [?]Largest past balance [?]Account Type [?]Account holder [?]Industry
| Aug, 2014 |
| Apr, 2008 |
| Jul, 2014 |
| Mar, 2009 |
| Unsecured |
| $233 |
| Revolving Account |
| Individual Account |
| Department / Variety and Other Retail |
Descriptions [?]
- Paid in full/was a charge off
Balance [?] Current Status [?]
Seven year payment history [?]30 days late60 days late90+ days late
Worst Delinquency [?]
| $0 | Payment after charge off/collectio |
| 0 times |
| 0 times |
| 0 times |
| None Reported |
Send the 623
@gdale6 wrote:Send the 623
Hi All
So I have sent all the artillary that I can. I sent a 623 Dispute letter, Complaint to the Wisconsin BBB, and sent in a complaint to the Consumer Financial Protection Bureau. I hope this account finally gets deleted. Now I have to sit and wait another 30 days or less???? Wish me luck.
Good luck for positive results in a timely manner 
So Ginnys received 623 8/15. BBC also sent notice. CFO states Ginnys not in there system yet. May take time to get them in system. Hope things move quickly. I am so tired of Ginnys fighting me on this.
So I received great news. Ginnys has requested that account information be deleted. This is my last charge off. I still have some nelnet lates, a paid tax lien and 2 paid judgements But I can celebrate winning this battle with ginnys.