Hello all. I know that you can't dispute factual information on your reports. I have one charge off left on my cr's that has already been paid and the collection account has been deleted. The charge off is showing as paid and the balance is zero. The account is simply listed as charged off/sold. I have sent goodwill letters to the original creditor as well as emailed the CEO. I haven't gotten a response to any of my attempts. I called in the other day to talk to someone and tried to have them look up my account using the account number that was listed on my reports. I was told that the account number that I had given them wasn't correct. I asked for the correct account number and the woman looked it up and gave it to me using my info. I asked her was there any way that I could have this TL deleted from my reports and she told me there was nothing that I could do. So my question now is that since the account number is incorrect on my reports, is this something that is worth disputing? Would the company be able to just update the account number to the bureaus and have it come back as verified? I know that if I dispute and the account comes back as verified, my score will take a hit. So I am asking advice on what to do. This TL will fall off of my report at the end of 2024. Should I just wait it out and continue to nurture the accounts that I have now. The difference in the account number is simply 3 digits added to the front of the original account number. I don't know if this makes a difference or not. Any advice or input is much appreciated. Thanks.
Goal Scores: 700 across all three
You did what you could. CO's are right below BK's. Only 1 that will rarely delete tradelines it seems is Credit One. I wouldnt poke the bear and let it age off. Work on what you got now so when it does fall things will look nice.
@RobertEG @Thanks for the reply. I have been going over all three copies of my credit reports and looking at this account to try to find any grounds for getting it removed. The car was actually repossessed but never was reported on my account as a repossession. Just a charger off amount of 5126$. They resold the car and the balance that was left was $2891. That was sold to Jefferson Capital and I settled with them. The date that the account was closed also is different on the bureaus. Transunion reports it as April 2019. EQ and Ex report it as June 2019, which is when they picked up the car. The balance owed on the car states $5126 all the way up until January 2019 then switches to the $2891 balance. The car hadn't been sold at this time, because I was still in possession of it. Can they legally report the amount of the charge off before they sold the car? Or do they need to report only what was left after they resold the vehicle? Thanks in advance. If there is no grounds for a dispute I will just wait.
