Looking at my credit file for Houseld Bank I see 30 day late in 1/04 60 day in 2/04 then charge off for 3/04 and 4/04. Then back to 30 day late in 5/04 and OK for 6/04 and 7/04 How can they have me as a chargeoff prior to being 120 day late? Before I found this forum they offeed me a hardship plan where intrest would be reduced for 6 months and they would end the overlimit fees then after completion of the program would make the account never late. I agreed, started making payments then transfed the balance to a 0% card my parents were offered. (Listing me as an Authorised User so I get the credit score benefit now) Should I send them the letter below or can you suggest a better letter? When I signed up for the hardship plan I was told that after succesfully being on it for three months my account would be reaged and shown as current with no lates. I was looking at my credit report and see that it has a 30 day, 60 day, chargeoff, the 120 day late on it. When will the account be re-rreported to the credit agencies showing it was not late
