Hi, I have been reading these boards for the past few days and they have been very helpful. A few years ago I had a CC for a small amount, $500. I ended up paying off the balance after some time, but it is still listed as negative on my CR. Equifax lists it as CHARGE OFF. TransUnion lists it as Payment After Charge Off/Collection Experian lists it as Transferred,closed What would be a good course of action to get this removed?
Start out by disputing something that seems inaccurate or incomplete about the listing through the CRAs. If they can't verify it, they'll delete it. If it is verified, you can then try disputing through the OC as well.
I just sent Chase a goodwill letter asking them to remove it, but they basically said everything is correct and they will not remove correct information. If you have any luck with getting it removed, please let me know what you did.
