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!
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!
