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Collection question

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povertybro
Contributor

Collection question

Victoria’s Secret was charged off and sent to portfolio recovery. I paid off portfolio and pr removed their derogatory from my report.

 

However, Victoria's Secret still shows as charged off and not removed. Been a year. What are my options to get this removed? I disputed on equifax already and I didn't get favor

Message 1 of 3
2 REPLIES 2
FireMedic1
Community Leader
Mega Contributor

Re: Collection question

CO's are next to impossible to get removed from any bank. Disputing wont do any good. It comes back verified, updated as a new entry and hits your scores. You can try the GW Saturation. But dont get your hopes up. Least the CA is off your reports.

https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/The-Saturation-Technique-Best-GW-adjustment-... 


Message 2 of 3
OmarGB9
Community Leader
Super Contributor

Re: Collection question

You can't get the original charge off removed. It's accurate. Do not keep disputing. As mentioned above, you can try asking for GW, but it's a long shot.


Last App: 1/10/2023
Penfed Gold Visa Card

Currently rebuilding as of 04/11/2019.

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Message 3 of 3
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