Strategery?????

[abarcla1]

Anyone have a strategy on this one???  (I'll think you're super cool if you got my strategery reference!)

Date Opened: 12/16/2009 Responsibility: Individual Account Account Type: Revolving Account Loan Type: CREDIT CARD Date Updated: 08/21/2011 Payment Received: $220 Last Payment Made: 07/11/2011 Original ChargeOff: $440 Pay Status: >Account paid in Full; was a Charge-off< Terms: Paid Monthly Date Closed: 01/23/2011 Date Paid: 07/11/2011                              >Maximum Delinquency of 120 days in 01/2011 and  in 02/2011<                           High Balance: High balance of $255 from 09/2010 to 09/2010; $441 from 03/2011 to 03/2011; $441 from 07/2011 to 08/2011 Credit Limit: Credit limit of $250 from 09/2010 to 09/2010; $250 from 03/2011 to 03/2011; $250 from 07/2011 to 08/2011 Estimated month and year that this item will be removed: 09/2017

08/2011 07/2011 06/2011 05/2011 04/2011 03/2011 02/2011 01/2011 12/2010 11/2010 Balance $0 $220       $441         Amount Due   $0       $0         Amount Paid $220 $221       $0         Past Due $0 $220       $441         Remarks >PPL< >PRL<       >PRL<         Rating C/O C/O C/O C/O C/O C/O 120 120 90 60   10/2010 09/2010 08/2010 07/2010 06/2010 05/2010 04/2010 03/2010 02/2010 01/2010 Balance   $188                 Amount Due   $25                 Amount Paid   $50                 Past Due   $0                 Rating 30 OK OK OK OK OK OK OK OK OK

 This is a First Financial Bank account. 

Ready...GO!!!!!!!!

[guiness56]

Saturday Night Live?

It is paid.  Send them GW letters asking to delete.

[abarcla1]

YES!!!!!!!!

So here's the thing...I have no idea who paid it.  Could have been my husband and he just didn't say anything...but I'm worried it was like a profit/loss write off type thing.

[abarcla1]

My Tri-merge breaks it down like this:

Experian:  Paid, was a charge off

Equifax:  Bad Debt & Placed for collection & skip, PAID CHARGE OFF CREDIT CARD

Transunion:  Account paid in full; was a charge off, Paid profit and loss

[guiness56]

It was a CO which is the same thing as profit and loss. That is only an accounting term, the debt is still owed.

This TL specifically says it was paid so that means someone paid it.

[abarcla1]

Score Watch report from yesterday:

Credit Card      Fst Premie     

Status as of Date opened [?] Date of last activity [?] Largest past balance [?] Account Type [?] Account holder [?] Industry

Feb, 2013

Dec, 2009

Nov, 2010

$250

Revolving

Individual

National Credit Card Cos.

Descriptions [?]

• Paid charge off
• Credit Card

No contact information provided by Equifax

Balance [?] Current Status [?]

$0	Bad debt/collection

Seven year payment history [?] 30 days late 60 days late 90+ days late

1 time

1 time

8 times (Jul 2011, Jun 2011, May 2011, Apr 2011, Mar 2011, Feb 2011)

Recent payment history [?]             2                      3                      4                      5                      6                      7                      8                      9                      10                      11                      12                      1                      2                      3                      4                      5                      6                      7                      8                      9                      10                      11                      12                      1                        2011                          2012                          2013           

Legend:	Currently paid as agreed
	120 days late
	Collection

[guiness56]

It is a paid CO.  Someone paid it.

[Countingpennies]

Paid by JDB maybe?

[guiness56]

No, it would not report as paid.  It would have been bought with a debt attached to it.

[Countingpennies]

TU is reporting 6 of my accounts this way. I disputed (because they should be IIB) and they were changed to 'Paid/was a chargeoff.' Only 3 of them have a 'sold to XXX.' The other 3 just the Paid/was a CO. (I know all were sold off, some several times.)

(Still no IIB - but that's not relevant to OP's issue.)