Established Contributor
Posts: 938
Registered: ‎05-05-2010
Re: CC Companies willing to remove paid charge off's

Larkfield wrote:

Does anyone have any experience with getting AMEX, Chase, or Citi to remove paid acccounts that have been charged off?  Currently they are at close to 5 years aging, I was just wondering at what timeframe do you just let it age off.  I see a lot of info around collection companies but not a ton on card companies.


Trying to get foot back in the door with AMEX and Chase.  Accounts are paid so I dont think Im blacklisted (hopefully)



Since the paid collections are almost 5 years old I dont think they have any impact on your scores. I bet if you did get them removed it might have a negative impact as it could reduce the AAOA.


I bet if you apply for an Amex charge you would be approved and get the benefit of backdating.