topic Re: How to find out who has my Chase Charge Off? in Rebuilding Your Credit

How to find out who has my Chase Charge Off?

Anonymous — Tue, 13 Nov 2018 03:23:00 GMT

I'm not sure where my Charge Off went with my Chase Credit Card.

It's just showing as C/O on my Credit Reports and has Chase's information listed on it. Nothings been reported by any collection agency either.

I was going to try and negioate a pay for delete, should I just call Chase? Or how can I found out who has the debt without making any mistakes that would damage my chances?

Re: How to find out who has my Chase Charge Off?

Brian_Earl_Spilner — Tue, 13 Nov 2018 03:25:47 GMT

Call Chase and see if you can take care of it. If it was sold, they should be able to tell you who. You can also ask them to call back the debt if you pay, in an effort to keep a collections from showing up on your report.

Re: How to find out who has my Chase Charge Off?

Anonymous — Tue, 13 Nov 2018 03:57:45 GMT

@Brian_Earl_Spilner wrote:
Call Chase and see if you can take care of it. If it was sold, they should be able to tell you who. You can also ask them to call back the debt if you pay, in an effort to keep a collections from showing up on your report.

If I don't have enough to be able to pay it off, should I wait before calling about it?

Also, I have another Chase Card that was closed, but it's still with them and I make payments on it online every month.

Is there a way I could reverse any of the damage from them closing it, or would the only thing be to pay it off?

Re: How to find out who has my Chase Charge Off?

Anonymous — Tue, 13 Nov 2018 15:27:51 GMT

Chase Bank no longer sells recently charged off credit card accounts. If you want to pay them or set up a payment plan then call them otherwise wait until you have the money to pay them either monthly or one time payment for about 50% of the charged off account.

Re: How to find out who has my Chase Charge Off?

Anonymous — Wed, 21 Nov 2018 23:58:01 GMT

Re: How to find out who has my Chase Charge Off?

Anonymous — Wed, 21 Nov 2018 23:57:46 GMT

@Anonymous wrote:
Chase Bank no longer sells recently charged off credit card accounts. If you want to pay them or set up a payment plan then call them otherwise wait until you have the money to pay them either monthly or one time payment for about 50% of the charged off account.

Is a Pay for Deletion possible with them?

And I have SCRA benefits that can lower the interest rates on almost all loans down to 6% for military active service. Would that be a smart idea to use if I want to, and it's possible, to use a pay or deletion on the debt?

Re: How to find out who has my Chase Charge Off?

sjt — Mon, 03 Dec 2018 19:56:47 GMT

@Anonymous wrote:
I'm not sure where my Charge Off went with my Chase Credit Card.
It's just showing as C/O on my Credit Reports and has Chase's information listed on it. Nothings been reported by any collection agency either.

I was going to try and negioate a pay for delete, should I just call Chase? Or how can I found out who has the debt without making any mistakes that would damage my chances?

If the charge off has not been zered out, chances are they still own the debt and they have not sold it.