No credit card required
Browse credit cards from a variety of issuers to see if there's a better card for you.
In 2014 I had a charge-off for a department store credit card that eventually went to a collection agency. Last year, I contacted the CA and got a PFD. After payment the entry from the Collection Agency fell off of all 3 CRAs, but not the OC.
So a few months ago I sent a certified Goodwill letter to the OC with the address reporting on all 3 CRs, but never heard back from them.
Recently, I checked my credit reports and the OC is now showing as a Collection/charge off with remarks " Charged off as bad debt. Purchased by another lender." They are also reporting the balance as $0.
I am asking for help with what to do next to have the OC remove the entry. Thanks so much!
Based upon the OC’s information (“purchased by another lender”), you paid a debt buyer.
That’s ok. However, considering that fact, I’m not aware of anything else you can do to get the OC to delete its entry at this time. Perhaps you can give it some time and try another good will letter.