How I deleted an incorrect charge off

[willyd]

I figured I'd post this to see if this helps anyone. I had a check bounce, and a checking account go into charge-off status about 3 years ago. About a year ago, before I found this board, my wife and I paid it. Well, it was still reporting as charged off on my credit reports.. so I utilized whychats judgement template, changed it a bit, and waaalaa, gone! I didn't want to take the chance of them updating it to paid.. So here's what I sent:

 

My name is xxxxx xxxxxx , my SS # is xxx xx xxxx.

I am sending this dispute certified mail # xxxx to make sure you receive it.

My report # is xxxxx.

 

There is no such charge off of record # xxxx from this date for this amount from this creditor.

I have documentation that supports my dispute of this erroneous entry on my report.

 

Please remove this entry immediately.

 

If this entry is verified, please send me the name and address of the provider or furnisher providing this data, and the manner in which it was provided in order that I may pursue additional legal remedies.

Please note that your Credit Reporting Agency is now subject to Federal consumer financial laws, including, among others, the FCRA and Title X of the Dodd-Frank Act, and related regulations including a ban on “Abusive” Acts or Practices. ( Section 1031 of the Dodd-Frank Act )

 

Very truly yours,

 

 

[tiggidy08]

What was your supporting documentation?

[willyd]

Just a receipt that I paid it, but I didn't send that with the dispute, obviously.

[ash4680]

Do you think this would work with accounts that haven't been paid or an account that is currently being paid off?