Charge off Mistake will not come off at Experian but does at the others.

----- Original Message -----
From: REAL PERSON
To: bobo@oskie.com
Sent: Thursday, May 26, 2005 6:07 PM
Subject: Charged Off .... But not Really
Hi Bo:

I came across your blog as I am suffering from a headache on my credit report. I have a negative item on my report from a creditor and I don't believe it should be on there. TransUnion researched it and deleted it, but Experian will not and I am unable to get credit because of it. The scenario is this:

3 yrs ago, I had a past due balance with a cell phone company. I received a letter from this creditor saying that I had to pay the balance within 30-45 days or it would be forwarded to a collection agency and reported to the credit bureaus. I paid the amount in 27 days. I have proof of payment. However, on my credit report, this item is listed as negative and it says that it was charged/written off.

Do I have a case to make for getting this off my report since I paid it within the timeframe my creditor gave me? Should this be a negative item since it was paid?

Thanks for your help!

~~Mad at Experian

It would be better to be mad at the phone company. Go to them but do it in a somber tone. Explain how you are trying to buy a home and this one item is holding you back. Explain you are certain it is a mistake and show a canceled check or payment stub for proof. Ask them for a letter saying account paid in full and as agreeded and mail that in. If Experian refuses to take it off it is soley due to the phone company verifying the account as being late and past due.
Good Luck and get that letter.
Bobo Majors
931-455-6066 Work Russell Barnett KIA