How can Americredit say it was Charged off 2 times. We have not made any payments on this since April of 2004. I have copied what they have listed on my CR below (act # changed of course)
AMERICREDIT
200 Bailey Ave
Fort Worth, TX-761071210
Account Number:
12345XXXX
Current Status:
CHARGE-OFF
Account Owner:
Joint Account
High Credit:
$0
Type of Account FPRIVATE "TYPE=PICT;ALT=An installment loan has a fixed number of payments and the same payment due each month, such as a car loan or student loan.":
Installment
Credit Limit:
$0
Term Duration:
69 Months
Terms Frequency:
Monthly (due every month)
Date Opened:
2001/06
Balance:
$7,023
Date Reported:
11/2007
Amount Past Due:
$396
Date of Last Payment:
04/2005
Actual Payment Amount:
$0
Scheduled Payment Amount:
$0
Date of Last Activity:
05/2004
Date Major Delinquency First Reported:
04/2005
Months Reviewed:
25
Creditor Classification:
Activity Description:
N/A
Charge Off Amount:
$8,099
Deferred Payment Start Date:
Balloon Payment Amount:
$0
Balloon Payment Date:
Date Closed:
Type of Loan:
Auto
Comments:
Consumer disputes this account information,
Charged off account
81-Month Payment History
Year
Jan
Feb
Mar
Apr
May
Jun
Jul
Aug
Sep
Oct
Nov
Dec
2007
*
*
*
CO
CO
CO
CO
CO
CO
CO
2006
*
*
*
*
*
*
*
*
*
*
*
*
2005
120
60
R
CO
*
*
*
*
*
*
*
*
2004
30
*
*
*
30
*
30
30
*
30
60
90
2003
30
*
*
*
*
*
*
*
30
*
*
*
2002
*
30
*
*
*
*
*
*
*
*
*
*
2001
*
*
*
*
*
*
*
(the * they say are current payments) see how they have a CO and they current payment then CO again
