Anyone have any luck with getting a paid AMEX charge off removed? I owed 14000 and paid it off over about 1 1/2 years. Have disputed about 8 times with all 3 CRAs, no luck. I have tried calling their credit bureau unit and they won't budge. Can anyone help me please?
RE: Paid AMEX Chargeoff, pleas Amex Credit Bureau Unit sucks. I did, however, manage to remove one of their accounts from my credit report the first time I called them. Try calling again, even if you've already done that numerous times before. You could also ask for a suprevisor. Don't ask them to "remove the chargeoff", but to remove the account altogether. Also, there's no need for you to discuss the history of your account w/ them. Saar
RE: Paid AMEX Chargeoff, pleas Saar, I also had another chargeoff that was paid on an AMEX Optima that was less than a year old, and they removed it immediately. How did you get yours removed on the first call?
RE: Paid AMEX Chargeoff, pleas DO NOT CALL!!! All of your coorespondance should be done IN WRITING!!! They can always say they did not receive your phone call... Also, You cannot have valid, and accurate information "removed" from your account... As long as the information is valid, and true, it can remain on your report for 7 years... If there is positive information regarding your negative notations (i.e., paid off), you can have comments added to the report noting this.
RE: Paid AMEX Chargeoff, pleas DO NOT CALL!!! All of your coorespondance should be done IN WRITING!!! They can always say they did not receive your phone call... /////////////////////////////////////////////////////// not if you record it