Hi everyone,
I hope this is the right forum. I have a weird situation and was hoping someone might give me some insight into what might be going on here.
I had a credit card from Citibank that was charged off. The last payment I made to it was in January 2004. I'm hoping to get past the Statute of Limitation on it without a judgment in 2008. I can't tell for sure from my credit report, but it says "charge off as of Jan 2007, Dec 2006, Nov 2006...Jan 2004". Does this mean that they did a charge off in January 2004 and reported it every month?
The original amount that I owed on the credit card was about $11,000. Since that time, they've been adding all sorts of fees to the card and when I got a copy of my credit report directly from Equifax in January 2007, it reported that I owed $33000. Does anyone think they'll take me to court over that huge amount? Yikes!
Anyway, I digress... my original question has to do with the Equifax FICO score and report I just received from this site. The Citibank card is no longer on my credit report. Does anyone have any idea why that might happen? I mean, I'm glad that it's gone, but I'm surprised to see that happen for that large dollar amount in such a short amount of time. Any ideas?