I had the same thing with Providian. Acct was closed and I began repaying 11-03, never missing a month and final payment 11-05. I was actually paying to CA, Triadvantage, but Providian was the only one reporting.
Fico report showed from 08-05 showed pyts as 'ok' from 11-03 until report date. this is how CA told me it would/should be reported when I made arrangements (unfortunately just by phone--didnt know about PFDs or anything else at that point in time)
Now I just found on the fico summary pulled last week that Providian is showing 'RF" for all of 2004 and 2005 ('03 not showing) and has me with 32 90 day lates..of which 25 are for the months I was repaying!! It shows 'ok' for 12-05
I never could get them to correct not to show as CO, either. I'd requested it be closed, I disputed several times and it always came back 'correct as reported'. Wish I'd known about this forum when I was doing all this!!
It now shows as a paid charge off, but now with all those 90 day lates. I'm sure this is hurting my score as it shows in my summary it's having a negative impact. I've read on other threads correcting Providian can be hard since WaMu merger, and another recent thread mentioned gave a warning that in error FICO is allowing diputed items to change date and thereby hurt scoring
If I take the risk and dispute, to I do so through CRAs or try Providian direct? Anyone have current 'good' number for Providian for this sort of thing?!
FICOS: TU 732(05-16-16) EQ '08 739( 05-16-16) EX 737 (08-17-16)