Quote:
Originally posted by RedefinedDiva
Have you attempted disputing it with the credit bureaus? If it has been the required seven years, they will take it off. Also, if Visa has no record of the account, when the bureaus contact them to verify it and they can't, they may delete it from your report. Try that if you already haven't.
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It's not on my credit report anymore but I have a feeling it is causing some behind the scenes problems with my rating. I was told that just because it no longer shows up on your credit report doesn't mean it is no longer a problem. I've only had 3 other credit cards, 2 of them were majors and both I paid off. It wasn't until I applied for a Visa and was denied that I was trippin' because I have never gotten denied for any type of credit and it just struck me as odd. My husband had rental property when I met him and we are trying to buy more when we return to the States and I don't want a $300 charge off to sneak up on me all of a sudden. Besides, regardless of how young and stupid I was back then it is a debt I owe and would like to settle it if possible.