Hi,
Im wondering if anyone has experienced this.
I have two closed credit accounts that are paid charge offs which are still reporting to my credit. They are through synchrony bank. One is amazon the other is walmart. When they reported this month it dropped my credi 40 points on credit karma. Is there a way to have those marks removed?
Also, Creditone bank is reporting my score is 701. Credit karma is now 600 and 578 because of the 40 point drop. I have not been late on anything over a year so i'm confused why the drop. I have two car loans, a mortgage, two credit cards, and a student loan all of which are current. I have 5 paid chargeoffs. Any advice would be great I have been bateling this forever.
Thanks
Paula
Yep here they are, and amazon was paid off months before they marked it paid. FP is paid off too just not updated yet. Dos anyone have good contacts for them none of these will GW anything, I tried so hard.
BARCLAYS BANK DELAWAREAccount Number: Current Status: CHARGE-OFF
Account Owner: Individual Account. High Credit: $678
Type of Account Revolving loans have an amount owed which varies from month to month, like a credit card. Installment loans have a fixed number of payments and the same payment due each month, such as a mortgage, car loan or student loan. Option loans require that the entire balance be paid each month. : Revolving Credit Limit: $500
Terms Duration: Terms Frequency: Monthly (due every month)
Date Opened: 02/01/2013 Balance: $0
Date Reported: 02/18/2016 Amount Past Due: $0
Date of Last Payment: 06/2015 Actual Payment Amount: $0
Scheduled Payment Amount: $369 Date of Last Activity: N/A
Date Major Delinquency First Reported: 04/2015 Months Reviewed: 26
Creditor Classification: Activity Description: N/A
Charge Off Amount: $0 Deferred Payment Start Date:
Balloon Payment Amount: $0 Balloon Payment Date:
Date Closed: Type of Loan: yes
Date of First Delinquency: 08/2014
Comments: Account paid for less than full balance,
Paid charge off,
81-Month Payment History
Year Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec
2016 *
2015 150 180 180 CO CO CO * * * * * *
2014 * * * * * * * 30 60 60 90 120
2013 * * * * * * * * * * *
Payment History Key
BRAZOS/GLELSI
Account Number: Current Status: 120+ DAYS PAST DUE
Account Owner: Individual Account. High Credit: $15,394
Type of Account Revolving loans have an amount owed which varies from month to month, like a credit card. Installment loans have a fixed number of payments and the same payment due each month, such as a mortgage, car loan or student loan. Option loans require that the entire balance be paid each month. : Installment Credit Limit: N/A
Terms Duration: Terms Frequency:
Date Opened: 04/01/1998 Balance: $0
Date Reported: 02/18/2016 Amount Past Due: $0
Date of Last Payment: Actual Payment Amount: $0
Scheduled Payment Amount: $0 Date of Last Activity: N/A
Date Major Delinquency First Reported: Months Reviewed: 53
Creditor Classification: Activity Description: Transfer/Sold
Charge Off Amount: $0 Deferred Payment Start Date:
Balloon Payment Amount: $0 Balloon Payment Date:
Date Closed: 01/2011 Type of Loan: yes
Date of First Delinquency: 01/2010
Comments:
81-Month Payment History
Year Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec
2016 *
2015 * * * * * * * * * * * *
2014 * * * * * * * * * * * *
2013 * * * * * * * * * * * *
2012 * * * * * * * * * * * *
2011 * * * * * * * * * * * *
2010 * * 90 120 120 120 120 120 120 120 120 120
2009 * * * * * * * *
Payment History Key
Name:EDSOUTH/GLELSI
Account Number: Current Status: PAYS AS AGREED
Account Owner: Individual Account. High Credit: $18,102
Type of Account Revolving loans have an amount owed which varies from month to month, like a credit card. Installment loans have a fixed number of payments and the same payment due each month, such as a mortgage, car loan or student loan. Option loans require that the entire balance be paid each month. : Installment Credit Limit: N/A
Terms Duration: Terms Frequency: Monthly (due every month)
Date Opened: 04/01/1998 Balance: $0
Date Reported: 02/18/2016 Amount Past Due: $0
Date of Last Payment: 09/2014 Actual Payment Amount: $17,609
Scheduled Payment Amount: $0 Date of Last Activity: 09/2014
Date Major Delinquency First Reported: Months Reviewed: 8
Creditor Classification: Activity Description: Paid and Closed
Charge Off Amount: $0 Deferred Payment Start Date:
Balloon Payment Amount: $0 Balloon Payment Date:
Date Closed: 09/2014 Type of Loan: yes
Date of First Delinquency: N/A
Comments:
81-Month Payment History
Year Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec
2016 *
2015 * * * * * * * * * * * *
2014 * * * * 90 120 150 * * * * *
2013 * * * * * * * * * * * *
2012 * * * * * * * * * * * *
2011 * * * * * * * * * * * *
2010 * * * * * * * * * * * *
2009 * * * * * * * *
Payment History Key
FIRST PREMIER
Account Number: Current Status: CHARGE-OFF
Account Owner: Individual Account. High Credit: N/A
Type of Account Revolving loans have an amount owed which varies from month to month, like a credit card. Installment loans have a fixed number of payments and the same payment due each month, such as a mortgage, car loan or student loan. Option loans require that the entire balance be paid each month. : Revolving Credit Limit: $300
Terms Duration: Terms Frequency:
Date Opened: 06/01/2012 Balance: $599
Date Reported: 02/18/2016 Amount Past Due: $599
Date of Last Payment: 06/2014 Actual Payment Amount: $0
Scheduled Payment Amount: $0 Date of Last Activity: N/A
Date Major Delinquency First Reported: 02/2015 Months Reviewed: 36
Creditor Classification: Activity Description: N/A
Charge Off Amount: $599 Deferred Payment Start Date:
Balloon Payment Amount: $0 Balloon Payment Date:
Date Closed: Type of Loan: yes
Date of First Delinquency: 08/2014
Comments: Charged off account,
81-Month Payment History
Year Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec
2016 CO
2015 150 CO CO CO CO CO CO CO CO CO CO CO
2014 * * * * * * * * 30 60 90 120
2013 * * * * * * * * * * * *
2012 * * * * * * *
Payment History Key
Name
YNCB/AMAZON PLCC
Account Number: Current Status: CHARGE-OFF
Account Owner: Individual Account. High Credit: $710
Type of Account Revolving loans have an amount owed which varies from month to month, like a credit card. Installment loans have a fixed number of payments and the same payment due each month, such as a mortgage, car loan or student loan. Option loans require that the entire balance be paid each month. : Revolving Credit Limit: $0
Terms Duration: Terms Frequency:
Date Opened: 11/01/2013 Balance: $0
Date Reported: 01/28/2016 Amount Past Due: $0
Date of Last Payment: 09/2014 Actual Payment Amount: $50
Scheduled Payment Amount: $0 Date of Last Activity: N/A
Date Major Delinquency First Reported: 02/2015 Months Reviewed: 17
Creditor Classification: Activity Description: Transfer/Sold
Charge Off Amount: $0 Deferred Payment Start Date:
Balloon Payment Amount: $0 Balloon Payment Date:
Date Closed: Type of Loan: yes
Date of First Delinquency: 07/2014
Comments: Paid charge off,
81-Month Payment History
Year Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec
2015 * * * * * * * * * * * *
2014 * * * * * * 30 30 60 * * *
2013 * *
Payment History Key
NameYNCB/WALMART
Account Number: Current Status: CHARGE-OFF
Account Owner: Individual Account. High Credit: $855
Type of Account Revolving loans have an amount owed which varies from month to month, like a credit card. Installment loans have a fixed number of payments and the same payment due each month, such as a mortgage, car loan or student loan. Option loans require that the entire balance be paid each month. : Revolving Credit Limit: $0
Terms Duration: Terms Frequency:
Date Opened: 02/01/2013 Balance: $0
Date Reported: 02/26/2016 Amount Past Due: $0
Date of Last Payment: 06/2014 Actual Payment Amount: $75
Scheduled Payment Amount: $0 Date of Last Activity: N/A
Date Major Delinquency First Reported: 01/2015 Months Reviewed: 33
Creditor Classification: Activity Description: Transfer/Sold
Charge Off Amount: $0 Deferred Payment Start Date:
Balloon Payment Amount: $0 Balloon Payment Date:
Date Closed: Type of Loan: yes
Date of First Delinquency: 07/2014
Comments: Charged off account,
81-Month Payment History
Year Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec
2016 *
2015 * * * * * * * * * * * *
2014 * * * * * * * * * * * *
2013 * * * * * * * * * * *
Payment History Key
Name:VERIZON WIRELESS/SOU
Account Number: Current Status:
Account Owner: Individual Account. High Credit: $772
Type of Account Revolving loans have an amount owed which varies from month to month, like a credit card. Installment loans have a fixed number of payments and the same payment due each month, such as a mortgage, car loan or student loan. Option loans require that the entire balance be paid each month. : Open Credit Limit: N/A
Terms Duration: Terms Frequency:
Date Opened: 11/01/2012 Balance: $0
Date Reported: 02/23/2016 Amount Past Due: $0
Date of Last Payment: 12/2015 Actual Payment Amount: $309
Scheduled Payment Amount: $0 Date of Last Activity: N/A
Date Major Delinquency First Reported: 11/2014 Months Reviewed: 1
Creditor Classification: Activity Description: N/A
Charge Off Amount: $0 Deferred Payment Start Date:
Balloon Payment Amount: $0 Balloon Payment Date:
Date Closed: Type of Loan: yes
Date of First Delinquency: 06/2014
Comments: Consumer disputes this account information,
Account paid for less than full balance,
Paid collection,
81-Month Payment History
Year Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec
2016 *
2015 * * * * * * * * * * * *
2014 * * * * * * * * * * * *
2013 * * * * * * * * * * * *
2012 * *
Also, i tried to goodwill by email... that didnt help. They said their reporting meets the FCA requirements and they are reporting correctly so that was a dead end. FP is relentless and wont work with you at all. If anone has a good contact there it might help me. Please 