rachael
Joined: 11 May 2009
rachael's page
Posts: 244
6581 Magic Points
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Thu May 21, 2009 3:43 am
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Hi Insane,
"Charge-off" generally stays in the credit report for 7 years from the day you became delinquent. If the 7 years time period is over, "charge-off" should fall off from the credit report. I believe you intend to sue the collection agency for not reporting to the credit bureaus, to update your credit report. For this you have to send them a letter through certified mail with a return receipt requested. Please find a sample of a Intent to Sue Letter in the following link: http://www.creditmagic.org/sample-letter/sue-collection-agency.html . Please enclose copies of the bank statements that prove you have already paid off the debt.
Have you tried to dispute the negative listing with the credit bureaus? I feel you should first try to dispute before you send a Intent to Sue letter. You will find in the following link a sample of a Dispute Letter: http://www.creditmagic.org/repair/dispute-letter.html
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Looking forward to a debt-free life. |
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