Paid Charge-off.. help!

Discussion in 'Credit Talk' started by rackt3, Jul 8, 2002.

  1. rackt3

    rackt3 Well-Known Member

    I have a credit card (joint account with someone else) account showing up on my credit report as a paid charge off. It was paid off back in 1997, but last report was on 6/02 (it's reported every month).

    I tried disputing as "not mine", but all 3 CRAs came back with verified. Are there any other ways I can try to get this card off my credit report? Also, will the fact that it's a joint account affect my chances?

    thanks in advance!
     
  2. uniondiva

    uniondiva Well-Known Member

    try the nutcase letters.
     
  3. Quixote

    Quixote Well-Known Member

    Read up on "Paid Charge Off", "Paid Collection", & "Nutcase" letters. Just by being a royal PITA to them, you may find you have more power than you think. I've gotten over 70 derogs (all paid Collections and C/O's) deleted from The Lovely Mrs. Quixote's CR's and my own just that way.

    It's very do-able.

    Good Luck!
     

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