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@Anonymous wrote:Thanks for the info! Appreciate it.
If I were to let it hit my report (if they choose to report it) it would come off 7 years from my DATE OF Charge OFF- 10/25/2010? As rmduhon stanted previously?
Up to 7.5 years from DOFD.
Thank you. It was standard paypal account so it wasnt really a Credit Card or other debt. Essentially a chargeback I never paid because I got ripped off by the buyer. They didn't really give me a set DOFD date. Just says charge off date on the copy of the letter the Convergent sent me. I guess I will find out if they report it!
@Anonymous wrote:Thank you. It was standard paypal account so it wasnt really a Credit Card or other debt. Essentially a chargeback I never paid because I got ripped off by the buyer. They didn't really give me a set DOFD date. Just says charge off date on the copy of the letter the Convergent sent me. I guess I will find out if they report it!
In this case it's not 7.5 years from the charge-off date...it's 7.5 years from when the aforementioned chargeback occurred (the DOFD)
Thank you, so sometime before the official charge off date listed on the notice. Probably aroud 3-5 months before that, Im guessing.