Advice on getting a Charge-Off Removed after 1099

I have a charge-off on my credit report that I received a 1099 on last year with event code H, I properly filed it with my 2014 tax return. DOFD on the account is 10/2008, the account shows as a charge-off closed account with the balance listed. What is the best approach to getting this removed from my report asap? Do I need to approach the credit with a pay for delete offer even though I've recieved a 1099? Greatly appreciate the assistance.

Rattenwriler,
Before taking such drastic measures as recommended below there are a few much simpler things to try. I would first do a Super-zap of your Parameter RAM. This will force the firmware to reset to factory defaults. To do it you press power if your system is off, or if you're at the never ending spinning gear, then press Command Control and Power simultaneously, then press and hold the following four keys: Command (Apple)Option+pr. Hold them down and the system should chime, your screen might flash and then go dark again, this is normal. Wait, continuing to hold the keys until the chime sounds four times.
If you can get the system to boot, say onto your installation CD/DVD or any version of Mac OS X, you can start the installation procedure by acknowledging that you want English, the run Disk Utility from the Utilities Menu. Do a full repair and permissions repair on the disk. Alternatively, if you have Apple Care support, you should have a copy of a limited version of TechTool Pro CD in your materials. You could boot from that, and let it diagnose your iBook. That will help determine if the problem is actually with your drive, or maybe a faulty RAM module instead. Another tool that is several years out of date, but still works, is Norton Systemworks for Macintosh. The bootable CD supports both OS9 and OS10, as long as the drive is formatted with Apple's Disk format (Pre-Intel), so it is useful for G3's G4's G5's and non-GUID formatted external drives for Intel Systems. Any of these tools should be able to repair your system.
Of course, since you already ordered a replacement, you can wait until the new system arrives, then boot your iBook into Firewire Target disk mode as mentioned by the other guys, and connect it to your new system. You want to ensure that the blinking Firewire symbol is on your screen before you connect the cable between the two systems.
Good Luck!

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Loralee,
?? I am sorry the computer is not working. I don't work for HP and cannot comment on lawsuits or other calamities.
If the notebook worked prior to an update -- and this is an entirely different can of worms and problems -- and you think that there is any chance the notebook is just in some sort of "tangled" state and not completely hosed for some reason, you can try the following non-lethal device reset:
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============================================================================
I am sorry you are having so much trouble.
Other help:
HP Mobile Printing
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Contact HP – USA - Phone Assistance
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USA – Contact HP // Self-Help – Email - Chat
Happy New Year, Loralee! I know it seems to be getting off to a rocky start!
Click the Kudos Thumbs-Up to show you appreciate the help.
I am pleased to provide assistance on behalf of HP. I do not work for HP.
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Hi all – Just wanted to get some advice on what you think the best course of action should be on a previously charged off BOA account (FYI, I paid in full last month so the account is completely closed now) As some backstory: 2014 Statement requires a $500+ payment due by 2/1/14 to bring account up to date1/31/14: One day before due date, I make the requested payment by phone1/31/14: Despite making the payment before due date, BOA charges off the account on the same dateBased on a closer review of the statements, it shows:My original Pay By Phone Payment posted on 1/31On that same day, BOA appears to have reversed that Pay By Phone so they could transfer the funds to the newly charged off account (which has a different acct number)The transferred payment posts to the charged off account on 2/1 (which they keep hinting that the 2/1 date makes the payment too late to avoid charge off)On my credit report, BOA ignored my January payment and counted January as 150 day late and February-onwards as CO. I called BOA today and after reviewing my case, the representative sent in a charge off reversal request but could not guarantee it would be approved. She also insisted my credit report would be “updated” appropriately. I pushed on this and stated I think the entire TL needs to be deleted as the history thereafter could never actually be accurate. Even if they removed the charge off, how could they genuinely say any reporting thereafter is a proper reflection of the account? She pushed back and just said we need to work on the Charge Off first and I should hear back by next week. My question to everyone here is, should I just let the internal BOA process sort this out and hope they delete the TL? Should I call back and escalate to a supervisor? Should I just bypass them altogether and submit a case to the CFPB/BBB/CRAs? Since this has been entirely over the phone, I’m also a little worried there’s not enough of a paper trail (which is why I was wondering if I should dispute via another source). Regardless, I do have copies of the statements as well as the 1/31 electronic check they cashed, and a June copy of my CRs showing how they ignored the Jan payment and marked Feb-on as CO. Any advice you guys can provide would be great, thanks!

A creditor does not report the date they do the actual accounting that constitutes a charge to profit and loss in their books.That is an internal business process for which actual dates need not be reported.When they report a charge-off, they report only that they have previously taken that measure.All that is required under the FCRA is that once they have reported a charge-off, they must also report the DOFD on their account within 90 days. It is unclear as to how, based on the posted scenario, that the consumer could determine that they wrongfully did a charge-off based only on the date paid vs the billing due date on their last bill.

Advise on how to remove paid charge off

Looking for any advice on the best way of handeling this. I have a old paid charge off on my credit report that is scheduled to drop off in early 2016. I would love to get this removed early, but not sure if it is worth it. Is it really affecting my credit score at this point? I have read in several forums that when older than 48 mos it doesnt factor much into score. Is writting a goodwill letter to the original creditor the best way to go to get it removed? If I do send one to the OC do I have to send one to the collection agency as well to have them remove it also? If I sent a gw letter could there be any negative consequences? If they dont remove it, could they update the most recent activity date, since I contacted them? I know I posted alot of questions- any help is greatly appreciated.

jeeptrailmaster wrote:
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Eligibility for auto title after charge off

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user_2000 wrote:
Looking for some info on this here prior to moving forward with any next steps I take. Not looking for any illegal or loophole way to screw my previous financing obligation, just honest info. Back in 2001 I purchased a vehicle under Cap One Auto. After about two years of current payments I hit a block in my finances after a job loss. Needless to say I quickly lost the ability to continue paying on the vehicle. Before I knew it, I was in over my head in debt on the vehicle. The vehicle was never reposessed but my creit was obviously impacted with a charge off status for the loan. The car has never been in hiding and I have never attempted to weasel my way out of any of it. The vehicle is 14 years old now and the charge off was recently dropped from my credit report 6-12 months back. I am in a much better place now, financially speaking, and much more responsible with my finances. I have no intent on keeping the vehicle for the rest of my life but I am not sure what options I have as far as whether or not I would even be able to obtain the title for the vehicle. As far as I can remember, I believe the remaining balance was about 6-8k. I live in California and would like to move forward from this vehicle but I would hate to have the charge off or any negative reporting reappear from trying to inquire on information or even title for the vehicle. While I would hate to have to pay the 6-8k on this, I completely understand my obligation to pay, but at the same time if I am able to settle for a lesser amount or other option, I would gladly do so. My main concern is with having any negative or chargeoff reporting reappear on my credit. Your first step is to contact CA DMV as to the status of the title. Even though the loan is over 14 years old and CAP ONE has charged off the loan, it's a safe bet it's still recorded on your title. Chances are also that if you or CAP ONE are no longer in possession of the title, you're going to need a lien release before CA DMV will let you apply for a duplicate. They will advise you as to what can be done to have the lien removed because of age, but again chances are you're going to have to contact CAP ONE if not directly, through certified mail. I can't give any advice on how contacting CAP ONE would impact your credit history or whether it may restart the SOL clock, but IMHO sooner or later you're going to have to talk to them. Hoping you have positive results.

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Advice on getting a Charge-Off Removed after 1099

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