Setback and I am just depressed now!!!

[Anonymous]

Hi all!!

MetaBank has reported a charge off on me. I was on AD when my now ex took out a $20 loan, yea $20 through a credit card company IAdvance. The huge loan was taken out in Aug 08, I didn't find out about until March 09 and paid it off as soon as they had called me and discussed the situation with me. The huge loan was paid on 3/19/09 and it just showed up on my report being a charge off in October. I understand that it is a charge off, I called and asked why it had just now reported and showing the charge off so recent and not when it was actually charged off. I have disputed and sent in paperwork on my concern of this matter. My dispute came back saying this:

  Status:
Paid,Closed. $23 written off.   Date Opened:
08/2008
Reported Since:
09/2008
Date of Status:
10/2009
Last Reported:
10/2009 Type:
Revolving
Terms:
NA
Monthly Payment:
$0
Responsibility:
Individual Credit Limit/Original Amount:
$23
High Balance:
$20
Recent Balance:
NA
Recent Payment:
NA Account History:
 Charge Off as of Sep 2009
 90 days past due as of Mar 2009
 60 days past due as of Feb 2009
 30 days past due as of Jan 2009

Balance History:
 01/2009 $0
 11/2008 $0
 10/2008 $0
 09/2008 $23
 08/2008 $23

Does this look right?

I called back again today and once again tried to see if a correction could be made. The rep told me that they couldn't do anything and that it takes that long to report. Please somebody help me understand this.. I have done so good of repairing my credit and now this...

I am so pissed..

[llecs]

That's harsh! Looks like it is reporting OK. Maybe it shouldn't have been charged off around the 90 day mark, but then again, they could have marked you 30 days in September 08, 60 in October, 90 in November, 120 in December, etc. Even if they got rid of the CO status, the 90 would eat your score just as bad.

I'd start GWing them to get them to delete.

[Anonymous]

---

@llecs wrote:

That's harsh! Looks like it is reporting OK. Maybe it shouldn't have been charged off around the 90 day mark, but then again, they could have marked you 30 days in September 08, 60 in October, 90 in November, 120 in December, etc. Even if they got rid of the CO status, the 90 would eat your score just as bad.

I'd start GWing them to get them to delete.

---

Thanks for the quick reply!!

 I know it's still going to be on the report, feels like I am going to be paying for my bad judgment of a husband for a while... I just wasn't sure if they could report it being charged off in September when the original c/o was in March.. Thanks for the input..