https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/How-do-I-correct-this/m-p/390957#M40832 I have a CO for Target that was paid back in 2006, the account was closed in 2005.  I sent a GW letter asking if they would stop reporting this account, but when I checked my credit report today not only is the account still there, it has been updated to report it as a charge off as of October 2008!?!?  So, I have sent a dispute through Ex, but should I also send an ITS to Target as well for inaccurate/illegal reporting? Tue, 02 Dec 2008 17:22:22 GMT Anonymous 2008-12-02T17:22:22Z https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/How-do-I-correct-this/m-p/390957#M40832 I have a CO for Target that was paid back in 2006, the account was closed in 2005.  I sent a GW letter asking if they would stop reporting this account, but when I checked my credit report today not only is the account still there, it has been updated to report it as a charge off as of October 2008!?!?  So, I have sent a dispute through Ex, but should I also send an ITS to Target as well for inaccurate/illegal reporting? Tue, 02 Dec 2008 17:22:22 GMT https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/How-do-I-correct-this/m-p/390957#M40832 Anonymous 2008-12-02T17:22:22Z https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/How-do-I-correct-this/m-p/390979#M40844 They are reporting accurately. Even after paying it, it can stay on your reports for 7-7.5 yrs from DOFD. Whenever you send a GW letter, dispute, PFD, etc. the TL will update the account. It hasn't been re-aged, just updated. Tue, 02 Dec 2008 17:55:05 GMT https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/How-do-I-correct-this/m-p/390979#M40844 llecs 2008-12-02T17:55:05Z