I waited 2 MONTHS to resolve my charge off. I paid in full. Then waiting for a carrier pigeon to deliver the funds to credit union. That was a month alone. Then waited a month for credit union to update my report. Report was updated. Score shot up 36 points. Then a week later, the charge up update was reversed. Now it looks exactly as it did in January before I paid it off, just worst. Now instead of just charge off it says charged off as bad debt and balance shows unpaid.
Called credit union and they want me to treat this as normal. So I have to write a LETTER and MAIL it to them, so they can review and maybe do something about it and MAYBE they fix it AND MAYBE they won't do this again restarting the clock for another month. What INSANITY!
Why do credit stuff like snail mail so? I have a Cap1 delete request reject which came back with, "Hey man, why don't you send a LETTER to this OTHER dept and MAYBE...". OMG.
What about the other CRA reports. Your showing 1. Sometimes updates takes 2 cycles to complete.
All reports have been reversed except equifax. The other two are now showing balances again after showing zero for a week. Account status deliquent.