What are my options with this? Expert advice needed!

[Anonymous]

I posted the backstory in another thread.. To make a long story short, financed a car in May '07. Refinanced after repo in Dec '07. Uninsured car fire in Jan '08. Total loss. Now 2 tradelines reporting from original creditor, last payment was Jan '08. Payment history shows "ok" until mid 2011 when status changed to C/O.

What can I do about this? What happens to my CR? Will this EVER go away?

Thanks for your help!

[RobertEG]

I presume the first loan was closed and reported with a $0 balance when the debt was refinanced, and thus the loss and charge-off apply only to the second loan?

[Anonymous]

Both TLs show balances, different balances. Looks like original loan was closed, refi loan still open and balance is growing monthly. It's only reporting on EQ now, I requested exclusion from TU and they deleted both. This is last baddie on my reports! I read on this forum OC accounts don't fall off, and since payment is being included in DTI, its REALLY worrying me.