Question about Paid Charge Off

Anonymous · ‎03-22-2008

Is there any way to get an account with a status of bad debt/collection that is a paid charge off, off of my CR? Could I try to dispute it as paid and see if it's deleted? Or is that not worth it or not even an option?

Anonymous · ‎03-22-2008

I would try a GW letter, or you can just dispute it with the CRA's. from what I understood sometimes you will get lucky and delete because when the debt is paid it's not worth their time to research it.

Anonymous · ‎03-22-2008

What would my dispute be? Other and then say it was paid and ask for delete?

Anonymous · ‎03-22-2008

Dispute it as innacurate maybe

anything which would cause them research..

dragnldy · ‎03-23-2008

Dispute with the CRA's first. If it's paid, you may have been removed from the collector's system and they will not be able to validate any dispute with the CRA. I've had 3 charge-off deleted because of this. I just used the "account balance is zero" dispute.

Ficos
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Anonymous · ‎03-23-2008

A lot has to do with who you paid the OC or a CA and when. Usually GW letters sent to whoever you paid may work best.

fused · ‎03-23-2008

thanksmyfico wrote:

Dispute it as innacurate maybe

anything which would cause them research..

...but it sounds like the CO is accurate.