I had some credit problems back in 2001 as a result of a business failure (telecom, what else?). Specifically, I had two credit card accounts with Bank 1. They both showed CO in 9/2003. Now I look at my credit report, and they show as only charging off in 10/2005. Can Bank 1 (now Chase) change the date of the charge off like that? My score did go down and that's the major change that I see. Thoughts? Any help/advice appreciated. Lane
That may have been their most recent reporting of the CO. Check your date of last activity. What does that say?
