There is an old cc reporting on my report as charged off, however I think that I paid it. . .
but paid it to the CA that bought it from the OC. It is listing from 04 so would that matter? I would dispute it as being paid to the CA, but since it has been 4 years I do not even know that I would still have proof. It was during a very rough time with our adoption and I am sure that after it was turned over the CA we paid it in installments. The CA called us about it and we were so scared by their call that we paid. There is no CA listing for this cc just the OC. What would you do?