sorry i was very tired when i wrote this. what i am asking is after looking at my transunion report to try and clear up my credit, i noticed i have an old credit card on there from citi bank that is still being reported every month for the last 2y as charge off so the recent activity on the account says currant. and i am confused on this as i know the account went to collection ARC from what they told me. now my questions are how does the account keep getting updated monthly and how does that affect my rating? and if i offer ARC a pay for delete letter will that clear the original account as ARC has nothing on my credit report? i have several other questions but hopping to get those figured out first. i am not to sure how the rules change in canada from the states i am in BC
thanks for your time