Hello all,
I am trying to improve my credit and have obtained a digital copy of my report from the 3 bureaus.
I have one negative item on all 3 reports that's reported as a Charge Off/Paid in full.
My newbie question before giving details is simply this, is there anything I can do to alleviate this blow on my credit?
Basically any advice on how to improve this blemish is appreciated.
All my research has me a bit confused about what my options are at this point.
Also, I'm a bit confused why it is reported slightly different between the 3 bureaus?
Details:
Creditor was Bank of America
TransUnion
Balance: $0
Date Updated: 02/21/2015
Payment Received: $453
Last Payment Made: 08/20/2012
High Balance: $3,723
Original ChargeOff: $453
Credit Limit: $3,800
Pay Status: >Account paid in Full; was a Charge-off<
Terms: Paid Monthly
Date Closed: 10/09/2008
Date Paid: 08/20/2012
Remarks: ACCOUNT CLOSED BY CONSUMER; >PAID IN FULL/WAS A CHARGE OFF<
Estimated month and year that this item will be removed: 07/2019
Equifax
Current Status: CHARGE-OFF
Account Owner: Individual Account.
High Credit:
Type of Account : Revolving
Credit Limit:
Term Duration:
Terms Frequency: Monthly (due every month)
Date Opened: 12/08/2006
Balance: $ 0
Date Reported: 02/21/2015
Amount Past Due:
Date of Last Payment: 08/2012
Actual Payment Amount: $ 453
Scheduled Payment Amount:
Date of Last Activity: N/A
Date Major Delinquency First Reported: 02/2015
Months Reviewed: 24
Creditor Classification:
Activity Description: Paid and Closed
Charge Off Amount: $ 453
Deferred Payment Start Date:
Balloon Payment Amount:
Balloon Payment Date:
Date Closed:
Type of Loan: Credit Card
Date of First Delinquency: 08/2012
Comments: Account closed at consumers request,Paid charge off
Experian
Recent balance: Not reported
Date opened: 12/2006
Status: Paid, Closed. $453 written off.
High balance: $3,723
Monthly payment: $0
Recent payment amount: Not reported
First reported: 12/2006
Charge Off as of Aug 2012
Any help will be greatly appreciated!
Thanks in advance!
