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charge offs deleted

realestone
Established Contributor

charge offs deleted

im not really sure what happened but i had 2 paid scana energy charged off bills on my experian and equifax reports,  they were over 5 years old i paid them back in april/may and they changed to 'paid,was a charge off.' and i tried sending them goodwill letters and emails asking if they can be removed completely everyone who contacted me said nothing they can do and they wont remove it so i gave up well today i woke up to it being deleted from my experian report and my score shot up 50 points to 735 now i have to wait a day or two to see if it will be removed from my equifax report too im so happy right now but im wondering how or why it was deleted! lol





23 REPLIES 23
Brooklyn2018
Valued Contributor

Re: charge offs deleted

Some things are just better left unanswered😉

That’s awesome!!

But, truth be told, it probably stemmed from your GW’s, it just may have taken some time before it updated...? Glad to hear it’s gone and the awesome point increase!!👍👍

Hope you have the same luck on EQ🤞

😊
Goal Score: 600(within a year)**MET MY GOAL** | Goal Score: 700>
Take the myFICO Fitness Challenge




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Message 2 of 24
sjt
Senior Contributor

Re: charge offs deleted

Congrats!

 

If you live in NY state they come off after 5 years on paid/settle CO accounts.

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Message 3 of 24
realestone
Established Contributor

Re: charge offs deleted


@sjt wrote:

Congrats!

 

If you live in NY state they come off after 5 years on paid/settle CO accounts.


thanks im located in georgia yea im still wondering why i guess i should stop asking myself why lol i sent so many letters and every letter i got a reply back saying sorry we cant do it has to stay on for 7 years then i emailed 3-4 higher ups in scana energy and got a call back saying the same thing but oh well my equifax generally updates 1-2 days after my experian so i will report back if it gets deleted off my equifax too





Message 4 of 24
realestone
Established Contributor

Re: charge offs deleted

thats the last negative item on my report too 





Message 5 of 24
sjt
Senior Contributor

Re: charge offs deleted

Yay! Congrats!

 

It happens alot that you request a goodwill and either you get no response or they say no but they end up deleting anyway. 

 

 

American Express: Platinum Charge, Optima, Business Gold, Delta Business Platinum, Business Cash
Barclays: Arrival+ WEMC
Capital One: Savor WEMC, Venture X Visa Infinite
Chase: Freedom U Visa Signature, CSR Visa Infinite
Citibank: AAdvantage Platinum WEMC
Elan/US Bank: Fidelity Visa Signature
Credit Union: Cash Back Visa Signature
FICO 08: Score decrease between 26-41 points after auto payoff (11.01.21) EX: 809 / EQ: 824 / TU: 812
Message 6 of 24
pursell1911
Regular Contributor

Re: charge offs deleted

Man this post gives me so much hope!  Have received nothing but negative news from my goodwill attempts.  Going to keep trucking though!

 

Congrats, OP!


Starting 5/2018

Current 3/2019
Message 7 of 24
Brooklyn2018
Valued Contributor

Re: charge offs deleted


@realestone wrote:

@sjt wrote:

Congrats!

 

If you live in NY state they come off after 5 years on paid/settle CO accounts.


thanks im located in georgia yea im still wondering why i guess i should stop asking myself why lol i sent so many letters and every letter i got a reply back saying sorry we cant do it has to stay on for 7 years then i emailed 3-4 higher ups in scana energy and got a call back saying the same thing but oh well my equifax generally updates 1-2 days after my experian so i will report back if it gets deleted off my equifax too


ABSOLUTELY let us know...I've got my fingers crossedSmiley Wink

 

Smiley Happy

Goal Score: 600(within a year)**MET MY GOAL** | Goal Score: 700>
Take the myFICO Fitness Challenge




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Message 8 of 24
realestone
Established Contributor

Re: charge offs deleted

well i checked creditchecktotal today and it is still deleted off my experian report but still on my equifax but equifax for me updates 1-2 sometimes even 3 days after experian so i may have checked too soon lol will give it a few more days





Message 9 of 24
Brooklyn2018
Valued Contributor

Re: charge offs deleted

Do you have another CMS that you use to monitor reports CK, EX...etc?
Goal Score: 600(within a year)**MET MY GOAL** | Goal Score: 700>
Take the myFICO Fitness Challenge




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Message 10 of 24
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