topic Old charge off still on credit report in Rebuilding Your Credit

Old charge off still on credit report

Anonymous — Fri, 20 Jul 2012 02:42:01 GMT

Back around 2000 I had a credit card that I got behind on that went into collections; I paid the agency shortly thereafter. I recently pulled my credit report and saw that it's still there. I paid it off roughly 10 years ago, so I figure it should be gone by now. I'm not sure what information is relevant, but from the report the status shows "Paid, Closed. Written Off". Account History shows "Charge Off as of Sept. 2007 to Aug 2009". Last reported 9/2009.

I called the bank and they said there records show that is was charged off March, 2000. I asked for the name of the collection agency so I could try to contact them and square it away, but the person I talked to said they didn't have that information. I don't have any records from back then since it was so long ago. Is there something I can do to get this off my record since it's past the 7 years or do I have to live with it since I don't have proof any more? Is the bank's record of the charge off in 2000 enough to get it taken off/corrected? Any help is appreciated.

Also, to note, this is only on my Experian CR, the others don't have it on there.

Re: Old charge off still on credit report

AndySoCal — Fri, 20 Jul 2012 02:44:57 GMT

The credit report should give some contact info. If not call their customer service and ask for it.

Re: Old charge off still on credit report

Anonymous — Fri, 20 Jul 2012 02:48:08 GMT

I did call the contact number from the credit report. That's how I got that their records show a March 2000 charge-off, but they said they didn't have anoy other info on it.

Re: Old charge off still on credit report

RobertEG — Fri, 20 Jul 2012 03:09:28 GMT

CR exclusion is determined solely by the CRA, and based solely on the reported DOFD on the OC account for both the CO and collection.

If still in your credit report, that indicates that the reported DOFD of record in your credit file is incorrect.

I would send a dispute of the reported DOFD to the CRA, along with your evidence and the statement of the OC that the charge-off was back in 2000, thus requiring the DOFD to have been earlier. By disputing, you compel investigation and correction/deletion within approx 30 days without having to go through your own investigation.

Based on your evidence and the apparent lack of the OC to be able to verify the reported date, the CRA should delete.