how to fix a charged off acct??

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    • #233237
      davefollmer
      Participant

      keeping this as short as possible…

      I had a dispute a few yrs ago with my (ex)bank over fees on an checking overdraft acct. * I fnally got the rep on the phone to agree that if I paid off the balance, they would remove fees.* I sent in full balance (minus fees), but they never removed fees.* Instead, more fees were added.

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      In the end the fees totaled a little over $200 which I didn’t pay and subsequently got on my credit report (I actually forgot about it until a collections agency called).

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      Now I’ve been working at the same place for over 8 yrs and make over $300k.* I have no debt outside of my mortgage and auto lease (pymnts have never been late).* My cc are paid in full every month (mostly amex, probably ~60k/yr).

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      What do i do to get this stupid “little” thing off my credit?* From what collections told me, they can’t do anything to remove that blemmish.* I still haven’t paid because not only should i not have to pay those fees, but it doesn’t sound like paying will help….*

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      Any suggestions to clear this up?

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      Thanks for the help!!!

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      btw, I just applied for a $30k auto loan (from penfed) where I would put down $25k, and got rejected because they didn’t like the charged off account on my record….* Hard to believe a $200 issue would matter more to a creditor than my income and large payment history.* Plus I’m putting down a huge down payment! *

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