I have a account on all 3 cra with Summit bank from 1995 stating Paid Charge off for $1054.00.I called all 3 cra requesting to delete this account becuase i have no clue about this account.All 3 said that they verified it.So i sent Summit bank a letter to prove the account belongs to me .It has been 45 days since with no responds.What do i do now .Please help
Is this with Summit FCU? in Rochester? If so, I have a paid collection from them also, but they REFUSE to delete early. It is supposed to fall off in May 2002, but they won't do it. I guess you have to wait it out. Of course, I lost all power when I paid it, but at least they got their money in a timely manner. Sent to collections in January, Paid in February. ($209) I didn't even know it went to collections until after I paid it. Oh well. Only 6 more months to go.
joer, This probably isn't the answer you want to hear and there is no guarantee that it will work for you. I have/had 2 pd charge offs. I disputed both of them 3 times over the course of the last 6 months. On the third try, one of the chgoffs came off of all 3 CRs. It was a bank CC chgoff. I don't if they got tired of me or what, but it didn't cost me anything to keep trying.
