how do you delete a paid charge-off

Discussion in 'Credit Talk' started by joer, Oct 28, 2001.

  1. joer

    joer Well-Known Member

    I have 1 paid charge -off and 1 unpaid charge off.How do i conveince the cra to delete it.Some advice
  2. lbrown59

    lbrown59 Well-Known Member

    Simple ,dont pay it while it's on there!
  3. fingrrrl

    fingrrrl Well-Known Member

    For future reference, don't pay unless there is an agreement for deletion between you and your creditor. Don't even bother with the CRA; they won't do anything about it. Go to the creditor! Write some sort of letter like I did after paying my charge-off to AMEX. I said that I had fulfilled my financial obligation with them and that I had now become responsible and shouldn't it reflect that on my report? I also added that I paid it off which is more than most people do and that they didn't have to take a loss. Just kiss ass and sweeten your letter up and you should have no problem...that is, if they're a reasonable creditor. Good luck!
  4. lbrown59

    lbrown59 Well-Known Member

    Here is how the credit system system works on this .If you pay it you get the shaft. The guy who don't pay it gets a reward!

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