Hello, ficofriends!
I'm hoping to heart other's experiences with Comenity. I just had a very interesting convo (they were totally off-base) with Comenity and wanted to see if other have had success removing a charge off with Comentiy from their CR.
First, let me just say, I know this is not the norm - a charge-off is most likely stuck with me for the full 7 years from the DOFD. I got a little hopefuly when I read a few stories in the forums that Cap 1 and Synch and another (Citi?) had charged-off/sold the debt, the debt was paid to the CA and, once notified the debt was paid, these banks deleted the tradeline from the CR.
Since I have another 3.5-4 years with this Comenity Charge off, I thought I would start trying goodwill crusade in hopes I catch someone willing to throw me a bone and delete the TL. This charge off, in particular, really upsets me b/c we were in such a bad spot, 1 income and trying to keep a roof over our head. I bought $97 in clothes to go on an interview. I wasn't able to pay it back and it went to collections, got interest. Ended up paying $353 to a collection agency that had stopped harassing me for the money...I just wanted it paid.
Anyway, fast forward 3 years and I'm repairing my credit. I'm getting there.
On my CR, the Comenity account (OC) is marked as Charge off / sold to aonther lender. Balance $0.
I called Comentiy, the bounced me over to their Recovery Department. The woman I spoke with was defintely going according to a script. Not once did she say she could *not* remove it. She just didn't understand what I was asking. Kept telling me to dispute it with the CA. I knew that wouldn't work so I told her the CA told me the info would be deleted (they did but I knew they were pulling my leg back then b/c they had no control over a paid debt).
The Comenity rep was very kind but after speaking with a manager, she said (again) I had to dispute it or call the colletion agency to have it removed. She said the info was reported at $0 owed. She didn't seem to understand anything about CRs and the impact of a Charge off. I explained that I was expecting the tradeline to be deleted b/c they no longer own the debt. the manager told her "they are having an issue and to check back in 45 days".
I know I"m not an expert at this credit repair stuff but I know that was just to stall me for another 2 months when I would call back and get a different represenative 
I asked her to note it on my account. She assured me she would (yeah, right). She couldn't tell me what she meant by "an issue". She just said that's what her manager said. So, obviously, she just wanted me off the phone.
That being said, I'm still motivated and going to ask for the TL to be deleted through some goodwill letters/emails. It worked for others with other companies (see this thread: https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Capital-One-charge-off-removal-success/td-p/...)
I found a few other references to Comenity - someone said a 50/50 chance of having it deleted. I figure I'll keep trying.
So, ifyou made it to the bottom of this rambling email...does anyone have any comenity contact references?
Thanks in advance...
@JM761As @Twotimesacharm did with sending GW letters. With Comenity it doesnt happen. Yes every bank will have maybe 1 poster from here get a CO updated to PIF. Deleted wont happen. From here on out. Pay yourself 10% each payday in savings. You'd be surprised how fast it grows just in case this ever comes up again. Not much you can do. Only got a couple yrs left.
Thank you for this info. I think I'll just let it be
I have a few more years left...patience is hard!