Hi
I paid a charged-off credit card in the beginning of April. What should my credit report say under Payment History?
Right now it says March: CO April: CO May: CO
Is that right? Even after I have paid it still says CO in the Payment History for the months AFTER the account was paid in full?
Thanks
Anyone?
Welcome @eeandtee
Should have a $0 balance. If you settled. Account paid for less than owed. Then 7 yrs after the first late that led to the CO it will fall off your reports.
Thanks - I am specifically asking about the Payment History section in the report. The place where they put a ✓ for paid on time, a 30,60,90, OR a a CO for Charge-Off. If it's paid should it say CO for the month of May and every month moving forward? Or should it say ✓ or nothing at all. To me, the CO implies I owe money when I do not.
@eeandtee wrote:Thanks - I am specifically asking about the Payment History section in the report. The place where they put a ✓ for paid on time, a 30,60,90, OR a a CO for Charge-Off. If it's paid should it say CO for the month of May and every month moving forward? Or should it say ✓ or nothing at all. To me, the CO implies I owe money when I do not.
yeah, it should stop reporting CO in the months after it has been paid, ask them to correct their reporting
Alright thanks. I appreciate you.
No chance they will delete the Charge-off because it was misreported right?! <sigh>
@eeandtee wrote:Alright thanks. I appreciate you.
No chance they will delete the Charge-off because it was misreported right?! <sigh>
I have the winning lottery numbers. What em? 
@eeandtee wrote:Alright thanks. I appreciate you.
No chance they will delete the Charge-off because it was misreported right?! <sigh>
If only it were that easy. 
But yes, they should've stopped reporting CO in the payment history section in April. However the overall account will continue to report as a charge off (under the "status" field).
I just got the results of my dispute and it says they updated something but I cannot for the life of me see anything updated. The only new thing is a new "Your Statement" that says "ITEM IN DISPUTE BY CONSUMER"
Is that what they updated? lol
Report still says CO for April and May (see image) <sigh>
Well no June showing. Hopefully it wont. All goes by that first 30 day late that led to the CO. Thats the kicker that starts and stops to clock for being on your reports.