IIB or Paid In Full was Charge Off?

I recently disputed all of my wife's TL as not reporting correctly while we are waiting for or discharge. Everything was deleted with TU except for Credit One. It came back as Paid in Full; was Charge Off for the status.
Should I bother with trying to keep disputing it? Is that better, worse, of same as IIBK? It says it was charged off and sold before I filed.

If it was charged off prior to filing you will have a very hard time getting them to update to IIBK. I wouldn't worry too much about it.

Similar Messages

Piad Charge off and paid Att reporting Balance

Hey Family! I had a credit card with Cap One that was charged off and sold to Portfolio Recovery. I paid PR in full... Cap One is still reporting a balance on my credit report. PR never listed a collection on my reports. how do I get this to report better? I had an account with ATT that was closed out and sold to Enhanced Recovery but I paid ATT in full. how do I get ER off my report? I never spoke to them about the debt but it's showing up on 2 of my reports? Plaese help me family!! Thanks

For enhanced recovery, Dispute as paid and include a copy of paid receipt from AT&T.
If it's on all 3 reports then dispute with all three bureaus.

Charge off reporting

i have an account that was charged off last year. Since the. They report a new 90 day late each month and the account is still marked as open. I am making Payments but not paid in full yet. Can they continue to report new late payments every month. If have read both ways on this matter, does anyone have a solid answer possibly with legal reference

gdale6 wrote:
Steve172 wrote:
i have an account that was charged off last year. Since the. They report a new 90 day late each month and the account is still marked as open. I am making Payments but not paid in full yet. Can they continue to report new late payments every month. If have read both ways on this matter, does anyone have a solid answer possibly with legal referenceTechincally you are still in default so in keeping with the FCRAs requirement to report accurate info they do so each month as they are updating the balance to reflect your payments. Paying it off sooner will stop the Fico score hurting and it will stop updating on a monthly basis, this is per the CRAs operating manual that they should stop reporting once the account is paid in full, there is no legal requirement for them to do so and some creditors will continue to report even once its been paid off. This IMO is just pure spite on their part to do so.FWIW, In my personal experience, updating of a paid accounts does not seem to affect my FICO 8 scores. I had a couple of paid accounts that were disputed and when they updated, my FICO 8 scores remained the same. This would seem to confirm my suspicion that updating of an unpaid account does not make it look "new" to FICO, but rather FICO interprets this as increased collection efforts by the CA...Note that this is from my own personal experience and I can't confirm this holds true for others. I also have no idea if this is just something unique to FICO 8, and earlier score models may indeed behave differently.

Nevada: SOL & Old Charge Off

Hey all, and pardon me in advance for my ignorance.
Long long time lurker, minimal poster.
I have a U.S. Bank C/O which was charged off in 12/2011.
On myfico it only shows my payment history back to 1/2010, in which it hasn't been paid. I left US BANK I'm sure in 2008/early2009 when I advanced my Career and switched to USAA.
My credit reports show an estimated "Fall Off" date as May 2016 for one bureau and July 2016 for another.
My question is, if the first date of delinquency is in fact within, 2009, with Nevada having a 6 year SOL, Shouldn't it be falling off of my reports this year in 2015?
I've been gearing up for a mortgage in early 2016 and going over my credit reports this was brought back up to my attention. Should I contact the OC and get the exact DOFD? The Credit bureaus? myFICO only goes back to 1/2010 and my last payment was before that date.
Any responses are appreciated.

SOL only determines how long you can be sued in court, no bearing on reporting. Report time is 7.5 years max for a charge off or collection.p

Citi Charge Off - Options

I had a citi checking plus account that had become overdrawn in 2010. I subsequently did not pay it off and never used the account again. The account was charged off and has been reporting ever since on my all 3 of my CR. In 2010 I had lived in NY and they had assigned the account to a CA based there. I currently live in FL (for the past 3.5 years) and the SOL here is 5 years so it's currently past that. The CA is not licensed here in FL. I called Citi today and asked if they can recall the debt, and if I can PFD. The rep said that I could mail them a check and then they'll update the reports as paid. I explained the situation and the fact that it's past the SOL, and if they are simply going to update as paid on the CR, I'd rather settle for much less. She didn't offer any options expect to mail the payment in. Does anyone have any experience dealing with Citi for a checking plus account? Or even Citi in general with PFD? Their office is currently closed and I'd like to be able to call them tomorrow with a little more of a game plan. I can PIF but if they are going to report paid and it'll stay on my CR regardless - then I'd rather not waste the money and have it utlized somewhere else.

I dont understand your request that they "recall the debt." It is stated that only the OC is reporting. Apparently what is being requested is that they delete their reporting of their charge-off?Perhaps they did not understand your request?

Chase - Getting Approved with Old Charge Off

So back about 10 years ago, while in college, I had a credit card and checking account with Chase. I was irresponsible and let the card go unpaid, and it eventually was charged off and sold to a collection agency. Here I am, 10 years later, with a great credit record, Fico in the 750s, and about 10 current credit card accounts with very low utilization. In the past 12 months, I have been denied for two different Chase cards, the CSP and Ritz cards (about 5 months apart). When I was denied for the 2nd, I called and spoke with an agent who explained to me that there was an old charge off shown in their system for $3XX and that was the reason for the denial. I offered to pay the charge off and take care of it, but they said they could no longer accept payment as it was sold to a collection agency. The woman on the phone suggested I go into a branch and see if they could help me. I did, and they could not, all they did was get someone on the phone at Chase and they told me the same thing they did when I was denied. Basically they explained I have no options to make it right with Chase and gave me no options as to a way to rebuild my relationship with the bank. My question for you guys here at the forum is whether or not there is anything I can do to repaid this relationship so I can get some Chase cards. My first thought was to open a checking account to build some credibility. The other thought I had was to open a secured credit card, although that seems a bit absurd given that i have never been declined for any other card other than these 2 from Chase. I am more than willing to do it, but wasn't sure if that would be necessary. What would you guys recommend? My main goal is to be able to get a Southwest card (or 2) in about 6 months, and I am willing to do whatever it takes. Thanks in advance for your help!

gernblanston wrote:
So back about 10 years ago, while in college, I had a credit card and checking account with Chase. I was irresponsible and let the card go unpaid, and it eventually was charged off and sold to a collection agency. Here I am, 10 years later, with a great credit record, Fico in the 750s, and about 10 current credit card accounts with very low utilization. In the past 12 months, I have been denied for two different Chase cards, the CSP and Ritz cards (about 5 months apart). When I was denied for the 2nd, I called and spoke with an agent who explained to me that there was an old charge off shown in their system for $3XX and that was the reason for the denial. I offered to pay the charge off and take care of it, but they said they could no longer accept payment as it was sold to a collection agency. The woman on the phone suggested I go into a branch and see if they could help me. I did, and they could not, all they did was get someone on the phone at Chase and they told me the same thing they did when I was denied. Basically they explained I have no options to make it right with Chase and gave me no options as to a way to rebuild my relationship with the bank. My question for you guys here at the forum is whether or not there is anything I can do to repaid this relationship so I can get some Chase cards. My first thought was to open a checking account to build some credibility. The other thought I had was to open a secured credit card, although that seems a bit absurd given that i have never been declined for any other card other than these 2 from Chase. I am more than willing to do it, but wasn't sure if that would be necessary. What would you guys recommend? My main goal is to be able to get a Southwest card (or 2) in about 6 months, and I am willing to do whatever it takes. Thanks in advance for your help! I just got off the horn with Chase EO today. Was trying a 2nd recon for a Hyatt card. The guy was really professional. He said I had a $500 slate charge off back in 2003 (which who knows what providian or family member did this to me, its buggin me) anyway, he said, we approved you for a $5k Chase IHG card. We want to see some repayment history with you first for a few months before we consider you for another card. He also said I might want a chase freedom or sapphire card some day (I had applied for the freedom in april and december of 2014). Even though I probably wont ever go for those cards, although they make a great combo. He assured me as long as I havent opened several new accounts recently I would definitely be approved if my score continues to go up. He also said that the 5 new accouts in 2 years thing is not always 100% and that he recon's people from time to time and approves them if their scores/history warrant that type of card. I also would like to add that chase is picky from person to person. Their cobranded cards are easier to get than their non's. I never had this CO thing mentioned to me before when I was denied the freedom. They said I had an unclosed checking account, and owed $75. I promptly paid that, and recon'd twice, still do dice. Also when I recon'd the IHG card the first time I was told way too many accounts, and not enough experience with a high limit card. Umm ok whatever, why can I go to ANY other bank and get a card then? Then called back the next day, instant approval for 5k IHG world mastercard. I will say, it probably wouldn't hurt to double app with them when you are ready. Some may disagree with this. But with chase theres always a chance of that 1 inquiry becoming two. And why not go for two different products that could improve your odds of getting one that the rep feels is more appropriate, or maybe even get the 2nd one approved later that same day! As long as your income supports the CSP (40k+/yr) then you should be fine? But others could chime in here regarding the underwriting. Maybe go for a cobranded 1st, then freedom 2nd, then csp 3rd.

Charge off credit card

I have an old account with credit union that was charged off July 2009. I contacted the bank and they refuse to speak in detail about the account! I was quickly given the number to collection agency who has the account. I contacted collection company a few years ago and per the rep she said I was sued for the debt and I didn't show up to court! She also stated its in public records! Because of that I have to pay original debt owed plus court fees and interest! I never got served with paper to go court! Public records on all my credit reports are 0! Not only that this collection company isn't on my report? The account is due to drop off next year! For the last few years I've done a good job obtaining accounts I constantly get pre approval letters but I don't need any more accounts! Should I pay or wait till it drops off?

UncleB wrote:
TiggerDat wrote:
I would call the collection agency back and ask for details such as the court it was filed in, the case number, and the date of filing or judgement. You might find they won't be able to give you such info if they are simply trying to scare you. Also ask for the information in writing and get their fax number and fax a request. If they are not being honest with you then that is against the law. A CA can't threaten you with a lawsuit, unless they truly intend to do so, however some of the less than up and up ones do it all the time. I have been contacted about an old debt that I cannot be sued for about two years now. It is for the same debt each time. I send them faxes for a cease and desist and then some 'other' company calls me and starts the whole process over again. They tell me they are going to sue, they tell me the debt is valid because I made payment arrangements, and they tell me other things too. I ask for their physical address and most times they tell me they don't have to give it to me and that they will only give me a PO Box. Sometimes they give me a physical address, which I Google, usually while on the phone with them, and point out that either that address doesn't exist or it is for a McDonalds. (No it never has actually been a McDonalds, but it has never been a valid address for them.) Even though it is a different name when the whole process starts over, I am certain that some of the representatives have the same name. I think they use a name of another CA, or something similar, so if people ever can find an address it leads to a dead end. The last time I got a call was on June 19 and I called them back and they said they would remove from their system. Since then I actually haven't received another call. I am waiting though. Once they said they were going to sue me and then changed it to the creditor was going to sue me. The creditor was GE which is now Sychrony. I guess Synchrony doesn't really care too much at this point because I have $4000 Wally World card, a $9600 PayPal Card, and now a $5000 Lowes Card with them. Did your address change? If so they could have simply served the paperwork to the old address, which is allowed by law if there is no forwarding address. However, you might just find they are the likes as to what I have described above. You might be surprised how many CAs don't actually follow the law and don't tell you the truth. I had one which called one of my credit card companies and posed as me to find out my available balance and then offer to settle for that exact amount. There is no way they could have known my available balance, as it was different than that which was on my credit reports! They were more than willing to settle for less, much less when I pointed that out and told them that the bank was ready and willing to testify against them for my account having been accessed illegally, since the bank wanted to protect their own liability. The bank never said they would do that, but I figured if they were going to do such a thing, then what harm would there be if I let them think the bank was willing to do so. I agree, except that if a judgement is already in place there's technically not a 'threat' of a lawsuit - the judgement means the lawsuit has already happened, and the OP lost by default (default judgement). This is why I mentioned the option of checking to see if a lawyer can get it vacated, i.e. like it didn't happen, due to not being properly served. The 'good news' is that even with a judgement, it's the plaintiff's burden to search out any possibly funds that can be used to satisfy the judgement; the court does not assist with this. If it's a small dollar amount, it's not likely the creditor will even bother, but as always, YMMV.If, being the key word here, if there was really a judgement and the OP was properly served then it is doubtful that it can be vacated. The OP does state later that they did not change addresses and this probably means that the CA was really just trying to scare them. If the CA already had a judgement, they would have pursued it and started seizing funds or garnishing wages.

My iphone6 screen is off since last few days i have tried all the options like pressing the home and sleep button together but still its not switching it on before it was getting hanged quite often it had full battery charged but still it is off

my iphone6 screen is off since last few days i have tried all the options like pressing the home and sleep button together but still its not switching it on before it was getting hanged quite often it had full battery charged but still it is off can anyone please help ......

hi i m currently in pakistan and there is no apple store here . i will b back to australia after 2 weeks i was wondering if thei can b any fix as i have all my contacts and everything else in my mobile

Hi my girlfriend iphone 5 is switching off himself after few minutes of useing him.i was charged fully..there is the newest softwer plus is after restor to the factory settings...its showing flat battery but was charging full???

hi my girlfriend iphone 5 is switching off himself after few minutes of useing him.i charged him full then I install the newest softwer plus is after reset to the factory settings...its showing flat battery but was charging full???and still is switching off after some time.please help

romifrommidleton wrote:
Help some ideas thas what we askin all here...thanks anyway
Do you not understand English? The "idea" we have given you is TO TAKE THE PHONE TO AN APPLE STORE OR AUTHORIZED SERVICE PROVIDER!!!
If you want to follow the advice is up to you. No one here really cares what you do in the end.

My iPhone 4S was turned off when the battery got empty, and when I put it on the charger it didn't charge at all. I tried restarting it (on/off home button for 10 sec) nothing happened except it kept giving me the "charge battery" on its screen.

Hi! My iPhone 4S was turned off when the battery got empty, and when I put it on the charger it didn't charge at all. I tried restarting it (on/off home button for 10 sec) nothing happened except it kept giving me the "charge battery" on its screen. I tried with different chargers, still dead! What's weirder is that my sister who has iPhone 4 experienced the same today! No we don't live in the same house!! Does anyone have the same problem?
Please apple support do you people have a convincing answer for us? Is there a solution? My phone is only 2 years old and was (2 hours ago), in top condition!!
Please help....

imanfromsweden wrote:
Please apple support do you people have a convincing answer for us? Is there a solution? My phone is only 2 years old and was (2 hours ago), in top condition!!
Please help....
On belhalf of my fellow volunteers, the answer is, "We'll try our best."
My advice is to try not to treat this like it is a paid service provided by compensated professionals. Ask nicely and one of the nice folks here might take some time out of their weekend to offer advice.

I was charged over $600 for a phone I returned and it has been reactivated, but they can't take the charge off my bill.

In September I was charged $650 for a broken phone that was not returned. I took the phone to Verizon store near my home and asked what I needed to do to return the equipment. The sales rep said all I needed to do was put it in the envelope and put it in the mail. I asked him if there was paperwork or anything I needed to send with it. He said again, no you just put it in the envelop and put it in the mail. So against my better judgement I did. October came and the charge was still on my bill. I called customer service and they told me to wait and it should show up. I called again a couple weeks later and explained what I had done and that I had returned the phone. The supervisor I talked to figured out that I had sent the phone to "Hope Line" which was a padded envelope that came in the same return box. So basically I donated a phone $650 to Hope Line. She reassured me that Hope Line also tracks the phones and once it showed up on their system my account would be credited. I talked to someone on Friday and my phones-3 of them were shut off on Monday. I called again and the new person I talked to told me the phone had been found, but they couldn't credit my account for a couple of days. They transferred my call to billing and the guy was upset that the customer service person had even told me that. The November bill came out and still the charge was there. I called again and again my phones were shut off. I called to get them reinstated the first part of December. The person on the phone this time told me that I would have to pay the fee. I asked if the phone had been found. He was rude and stated it did not go back to the warehouse and I would have to pay the fee. He did tell me that the phone had been reactivated. So if the phone had been reactivated and someone was paying for the data plan, why did I have to pay for the equipment fee that I sent back and now someone else was using? I asked to talk to a supervisor. She stated that I would have to pay the fee, but she was going to talk to warehouse and see if there was something they could do to get the fee taken off-since someone else is now using that phone. She told me she would get back to me in a couple of days. That was the second week of December and still I have not heard back from anyone. My December/January bill is due the 29th and still I have a $650 charge on my bill. Any suggestions on how I can get this resolved?

That sounds like an idea.I've had trouble with Verizon a lot .I I switch ed back to a non andriod phone cause of the expense it took 3 months and at least that many hours of phone calls &store visits to straight in it out...there's been many times things are blocked and a month later its back on the bill,u call and are told they can't do anything ...not there problem, can't b fixed from there end,I asked to talk to a sup. At was told I couldn't then she said I'd b told the same thing I insisted...I was on hold for about 20 minutes I hung up tried to call back they would not answer, I called my daughter had her call they answered when she told them they tried to blow her off too, so she went down to a store and made a complaint.. I don't have a store in our town,the customer should not have Togo through all that trouble some of this is down right criminal... I'm going through more problems again....they won't Evan discuss it with me unless I pay what's owed and the amount has still got the internet fees they've never taken off.

Re: i was charging my iphone 3GS yesterday in electricity when once it turned off suddenly while it was in quarter battery. I tried charging it again but it didint open, i tried to plug it into my laptop but itunes didnt recognize it and it doesnt work.

Re: i was charging my iphone 3GS yesterday in electricity when once it turned off suddenly while it was in quarter battery. I tried charging it again but it didint open, i tried to plug it into my laptop but itunes didnt recognize it and it doesnt work.

Hello candymerna,
At this point I would recommeng resetting the device if if will not turn on.
Resetting your device
Press and hold the Sleep/Wake button and the Home button together for at least ten seconds, until the Apple logo appears.
From: iPhone, iPad, iPod touch: Turning off and on (restarting) and resetting
http://support.apple.com/kb/ht1430
If it does turn on, but will not charge then take a look at this part of the article iPhone: Hardware troubleshooting found http://support.apple.com/kb/ts2802
Power/Battery
Battery does not charge from the USB power adapter
Important: Only original iPhone can be charged from a FireWire-based power source. If iPhone is connected to a computer that's turned off or is in sleep or standby mode, the battery may drain.
Verify that the outlet being used is working.
Try another USB power adapter if available.
If no other USB power adapter is available, try connecting to a high-power USB 2.0 port (not a keyboard). The computer must be turned on and not in sleep or standby mode.
Try another USB cable if available.
Also refer to iPhone and iPod touch: Charging the battery.
If it is charging, but not recognized in iTunes take a look at one of these articles depending on your Operating System.
iOS: Device not recognized in iTunes for Windows
http://support.apple.com/kb/TS1538
or
iOS: Device not recognized in iTunes for Mac OS X
http://support.apple.com/kb/ts1591
Cheers,
Sterling

I was charging my iphone 3GS yesterday in electricity when once it turned off suddenly while it was in quarter battery. I tried charging it again but it didint open, i tried to plug it into my laptop but itunes didnt recognize it and it doesnt work. help

i was charging my iphone 3GS yesterday in electricity when once it turned off suddenly while it was in quarter battery. I tried charging it again but it didint open, i tried to plug it into my laptop but itunes didnt recognize it and it doesnt work. help plzzz

Hello candymerna,
At this point I would recommeng resetting the device if if will not turn on.
Resetting your device
Press and hold the Sleep/Wake button and the Home button together for at least ten seconds, until the Apple logo appears.
From: iPhone, iPad, iPod touch: Turning off and on (restarting) and resetting
http://support.apple.com/kb/ht1430
If it does turn on, but will not charge then take a look at this part of the article iPhone: Hardware troubleshooting found http://support.apple.com/kb/ts2802
Power/Battery
Battery does not charge from the USB power adapter
Important: Only original iPhone can be charged from a FireWire-based power source. If iPhone is connected to a computer that's turned off or is in sleep or standby mode, the battery may drain.
Verify that the outlet being used is working.
Try another USB power adapter if available.
If no other USB power adapter is available, try connecting to a high-power USB 2.0 port (not a keyboard). The computer must be turned on and not in sleep or standby mode.
Try another USB cable if available.
Also refer to iPhone and iPod touch: Charging the battery.
If it is charging, but not recognized in iTunes take a look at one of these articles depending on your Operating System.
iOS: Device not recognized in iTunes for Windows
http://support.apple.com/kb/TS1538
or
iOS: Device not recognized in iTunes for Mac OS X
http://support.apple.com/kb/ts1591
Cheers,
Sterling

HT201272 Before backing up my old iphone4 I traded it in for an iphone5. All of the apps I purchased I had no problem retrieving from itunes with no charge but I can't download music that I have already paid for that was not backed up w/out paying again.

Before backing up my old iphone4 I traded it in for an iphone5. All of the apps I purchased had no problem downloading to my new phone from itunes with no charge, but I can't download music that I have already paid for that was not backed up w/out paying again. How can I get these songs to my new phone without having to buy them again?

Whether you can re-download music depends upon what country that you are in (and whether it remains in the store). If you don't have a Music section in the Purchased tab in the iTunes store app on your phone for re-downloading it, then do you not have you library on your computer's iTunes or on your backup of your downloads ? If not then you could try contacting iTunes Support and see if they will grant you a re-download

I had a "pdf export" plan and upgraded it to "pdf pack" plan and it was charged the full price of the new plan in my credit card. How to get the refund of the non used part of the old plan?

I had a "pdf export" plan and upgraded it to "pdf pack" plan and it was charged the full price of the new plan in my credit card. How to get the refund of the non used part of the old plan?

Hi edilsoncf,
I've seen your question on several forums, and responded there. Did you get your subscription sorted out?
See: How do I get a refund if I have multiple Acrobat service subscriptions?
Best,
Sara

IIB or Paid In Full was Charge Off?

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