I have an account that was charged off in 2003/2004 sometime..showing wrong on Equifax.
for some reason it said I made a late payment on it in Feb 2008..it started as a 30 day late in Feb then a 60 day late in feb then a Charge off in Feb ..(this account is still in my accounts section not in collections part).
I contacted creditor who I pay regularly (guess account is now in charge off part of company and new seperate account)and they send me to a different department who doesn't deal with my account and who tell me no one has touched my old account it's a charge off!..
They tell me to dispute it ..I did Equifax says its correct..
I call creditor again , tell them they are verifying it as correct (they say that old account is not being touched and they are not verifying it)..given same old run around and told redispute it and be more specific..which I did ..
Again comes back verified ,accurate....... but now new CO in July 2008..so now I have one CO in Feb 2008 showing and one in July 2008 on my Equifax report! Remember this is on an account already CO years ago!.
Needless to say it looks like another new CO on my myfico..I don't even want to pay to see the damage!
Any advice how to handle this as it's making me crazy ?
thanks : )
