Hi everyone! I had a question regarding my charge off that's been pif. I had an account go to charge off in aug/sept (aug shows 120 late, sept shows co) in 2014. I've since paid it off a couple months ago, but when I look at my report it shows my time since last negative at 2.3 years on experian. I was hoping I could get a more detailed explanation as why it would reflect 2.3 years and not 3years? I tried calling experian about it, and they were not very informative or helpful so I figured I could turn to this wonderful community!
