 Paid TL still showing as Charge Off/Collection
I have a small jewelry account that I've paid in full to the OC. I was still receiving statements from them when I paid in full in Sept 2008.
I pulled all 3 credit reports and see that it's still on there showing a balance of $393 and has a status of Charge Off/Collection.
To my knowledge, this account was past due, but never sent to collection. No CA ever contacted me about it and I paid the final balance on a statement recvd from the OC. Oh, and the TL is within SOL...but there is no balance.
So the question is what is the best strategy to have this fixed? These are some different options I've thought of after reading through a lot on this forum:
A. Send a goodwill letter to have "Collection/Chargeoff" and past due pmts removed and TL reported as "paid."
B. Dispute w/ CRA's and cross my fingers that it doesn't get verified...(however, if the OC does verify, it should then show as paid and 0 balance, right?)
Any other ideas?
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