Paid Charge Off Challenge

[diggingout1]

I've got a paid charge off (on all 3 reports) that is really dragging down my score. It was an $1100 balance with ..... Cap1. :eek: I have been in the process of divorce for over 2 years. I thought ex-husband was paying this (since he withholds $200 per month from child support for credit card payments). Unfortunately, he was not and it went 120 days past due. I paid it in full (didn't even try to negotiate ... after all, I owed it).

Any ideas on how to proceed? Since it is Cap1, is it virtually impossible to have removed? Any suggestions are really appreciated...

Kris

[chane]

No, it's not impossible. How old is it?

[diggingout1]

Thanks for the quick response, Chane.

It's only about 6 months old. The delinquencies occurred occurred last summer. I entered into a payment plan only 2 days after it was referred to an attorney agency (and became a "charge off) I had it paid off in a couple of months, and didn't try to negotiate a settlement. I just paid it in full.

[chane]

Yea, being that new it's not going to be easy , but it's worth a try.

[diggingout1]

Any suggestions on how to attack? Should I start with a goodwill letter or use some other strategy? Any and all suggestions are welcome and appreciated!

[chane]

I would start off by disputing it. If it doesn't come off, then try a goodwill letter. Just stay persistent. There are many different ways to get it removed. Try all of them one at a time until one works.