I have s Famous Barr account that shows up on my credit report as a charge off, but I am currently paying on it right now, and I even get a monthly statement in the mail to prove it. It was once dilenquent, but since I'm paying on it right now and have statements can this be disputed successfully? I make all payments in the store, so there is no third party collection. Thanks in advance for any help.
To whom do you want to dispute this too? Seems clarification is in order as to which avenue to assist you in. Thanks!
I had a Sears account that was charged off, and when I payed on it, I payed it directly to them too. It never went to a collection agency.
i have a JCPenny's that I paid off after it was late a bit. I paid it off 5 years ago. Now it shows up as a charge off. I know 3 years ago they report a $5 balance. my mortgage broker spoke with them so now since that month it shows as a charge-off. It comes back verified every month and so far they have ignored my request for validation (since they are oc they dont have to I guess) I still have 4 days until the "30 day" from signature is up. I guess my long winded point is get it cleared up in writing from the OC before it is paid off.
