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My mission to repair my credit! I made poor choices with my credit because I was too young to understand the importance of it. Any valuable information garner will be greatly appreciated! How can I go about having this negative TL deleted. there seem to be so many erroneous information about this debt on my CR. I have yet to be contacted by a CA or JDB over this debt. I have reached out to Bloomingdales and they say they don't have any record on file for me... Which throw me into a loop, because they are reporting negative TL on all three CRA.... HELP! Visa/Dept Stores National Bank (Bloomingdales visa I think) Status: Account charged off. $4,143 written off. $4,143 past due as of Mar 2012. Status Details: This account is scheduled to continue on record until Dec 2016. Date Opened: 05/2003 Reported since: 03/2010 Last reported: 3/2012 DOFD: 3/2010 I noticed there is two CO dates, 9/2010 and 3/2012 (I wonder if I can dispute that for erroneous CO date?) Credit Limit/ Original Amount: $4,600 Recent Balance: $4,143 as of 03/2012 Comment: Account closed at credit grantor's request. -RealMkoy