Checking our CRs I discovered that we have a charged off checking account with our CU (we also have a car loan through them that we've had a few 30 days that we're hoping to GW). The "balance" is $0. Does that make sense????? We never paid it off (at least, that I'm aware of), so that can't be the reason we have a $0 balance ...
What should we do?? We don't want to poke a sleeping giant (we don't want to be all complainy since we'll be asking them for a GW soon on the car note lates) but we don't want this on our CR either -- especially since we don't remember this happening!!
Another question would be: If we decide to dispute this CO AFTER we've gotten lates removed, can they just plop them back on (in "retaliation" for disputing the CO)? Or is that (hoping, hoping, hoping) once they're off, they're off??
I don't think we would dispute -- I think we'd just attempt a GW for that, too. I would just like to know 'cause like the cat, I'm curious as heck!!
Anywho, thanks for listening to the dumbo questions!!
Wonderful luck to all!!