I signed up for CCCS in August 1995. After making approximately 1 year of sporadic payments, I dropped out of the program. Recent paperwork received from CCCS indicates last date of payment as 7/96. Question is does CCCS require that the credit accounts be closed when you enter their debt payment program? If so, do credit card companies automatically close your account after they are notified of your accceptance into the program. Again, if so would the date of last activity be based on the date that the creditors closed the account, regardless of the payments that are received from that point on? Again, if so at the date of closing, is that also considered the charge off date? I'm trying to figure out a way to remove the last three (3) R9 tradelines from my report. At this point, I can not think of any thing else to dispute to have these accounts removed. Would appreciate your insight on this situation.
