CO Help, please

Discussion in 'Credit Talk' started by Fixincrdt, May 17, 2008.

  1. Fixincrdt

    Fixincrdt Member

    I have 2 charge offs that I would really like to make disappear. I'm willing to pay in full to delete but from what I understand, its very hard to get creditors to delete.

    ***WASH MUTUAL/PROVIDIAN
    Status: Transferred,closed/Past due 180 days.
    Date Opened: 06/2004
    Type:Revolving
    Reported Since:07/2004
    Terms:NA
    Date of Status:02/2007
    Monthly Payment:$0
    Last Reported:02/2007
    Responsibility:Individual

    Credit Limit/Original Amount:
    $446
    High Balance:
    $1,970
    Recent Balance:
    NA
    Recent Payment:
    NA
    Account closed at consumer`s request.
    Creditor's statement: Purchased by another lender <---which is Arrow Financial. DV'd them this week.

    ***SEARS/CBSD
    Status: Account charged off/Past due 150 days. $337 written off. $337 past due as of Apr 2008.
    Status Details: This account is scheduled to continue on record until Oct 2012.
    Date Opened:
    02/1991
    Type:
    Revolving
    Reported Since:
    04/1994
    Terms:
    NA
    Date of Status:
    04/2007
    Monthly Payment:
    $0
    Last Reported:
    04/2008
    Responsibility:
    Individual

    Credit Limit/Original Amount:
    NA
    High Balance:
    $347
    Recent Balance:
    $337 as of 04/2008
    Recent Payment:
    $0
    Creditor's statement: Account closed at credit grantor's request.
    Account History:
    Charge Off as of Apr 2008, Mar 2008, Feb 2008, Jan 2008, Dec 2007, Nov 2007, Oct 2007, Sep 2007, Aug 2007, Jul 2007, Jun 2007, May 2007, Apr 2007
    150 days as of May 2006
    120 days as of Apr 2006
    90 days as of Mar 2006
    60 days as of Feb 2006, Oct 2005
    30 days as of Jan 2006, Sep 2005

    Does anyone have any suggestions as to what I can do about these? I'd appreciate any and all help. THANKS!!
     
  2. Fixincrdt

    Fixincrdt Member

    Would it be better to start with disputing with the CRA's first and if it comes back verified, call the OC and beg and plead for a PFD? I disputed charges on the Sears/Citi back in 06. Never heard from them again but noticed it was charged off and they were reporting when I *finally* pulled reports.
    I think I know the answer to this but really need someone to back up my thoughts. lol Anyone?
     
  3. collectman

    collectman Well-Known Member

    You can try the PFD to the OC/CA whoever has it. If they dont respond then they aren't going to delete it and it will remain until it falls off.
     

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