What to do about these two charged off cards?

What to do about these two charged off cards?What to do about these two charged off cards?
MangosteenMew asked 5 years ago

I’ve been working heavily on getting my report cleaned up. Now I’ve begun working on my wife’s reports. I found these two charged off credit cards on her report. I’m just curious to others’ opinions as to what course of action we should take with each of them. Thanks in advance! Sorry if it’s hard to read…

 

#1

                        Equifax                          Transunion                     Experian

Company        Capital One Bank Usa   Capital One Bank Usa   Capital One Bank Usa

Opened          Oct, 2006                        Oct, 2006                      Oct, 2006

Status date     May, 2015                       May, 2015                     May, 2015     

condition        Open                                Open                           Open  

Last activity    Dec-10                            Oct-10                            Not Available

Balance           $ 3,182                            $ 3,182                                    $ 3,182           

Status             Charge-Off                 Charged off as bad debt      Unpaid balance                        

                                                                                                           reported as a loss by

                                                                                                            credit grantor

Late 30             1 time                            0 times                         1 times          

Late 60             1 time                            0 times                         1 times          

Late 90           27 times (Apr 2015,         0 Times                         26 times (May 2015, Apr 2015,

Mar 2015, Feb 2015, Jan 2015, Dec 2014,                                 Mar 2015, Feb 2015, Jan 2015,

Nov 2014, Oct 2014, Sep 2014, Aug 2014,                                 Dec 2014, Nov 2014, Oct 2014,

Jul 2014, Jun 2014, May 2014, Apr 2014,                                   Sep 2014, Aug 2014, Jul 2014,

Mar 2014, Feb 2014, Jan 2014, Dec 2013,                                 Jun 2014, May 2014, Apr 2014,

Nov 2013, Oct 2013, Sep 2013, Aug 2013,                                 Mar 2014, Feb 2014, Jan 2014,

Jul 2013, Jun 2013, May 2013, Apr 2011,                                   Dec 2013, Nov 2013, Oct 2013,

Mar 2011, Feb 2011)                                                                   Sep 2013, Aug 2013, Jul 2013,

                                                                                                    Jun 2013, May 2013, Apr 2013)

 

Worst delinquency   120+                                None                    Collection      

Credit limit                 3500                              3500                    3500  

Remarks         Charged off account

 

Account closed by credit grantor          Account closed by    Account Closed At Credit 

                                                                credit grantor           Grantor’s Request

                                                                       

 #2    

                                                                                                                  

                        Equifax                       Transunion                   Experian       

Company        Chase Bank Usa, Na  Chase Bank Usa, Na  Chase Bank Usa, Na

Opened          Feb, 2008                    Feb, 2008                     Feb, 2008      

Status date     Nov, 2011                    Nov, 2011                     Nov, 2011     

condition        Not Updated                 Closed                         Closed

Last activity    Nov, 2010                     Oct, 2010                   Not available 

Balance           0                                  0                                  0         

Status             Charge-off                 Charged off as bad debt                     

Late 30           1 time (Dec 2010)        0 times                       1 time (Dec 2010)

Late 60           1 time (Jan 2011)         0 times                       1 time (Jan 2011)

Late 90           9 times (Oct 2011,       0 times                         9 times (Oct 2011, Sep 2011,

Sep 2011, Aug 2011, Jul 2011,                                               Aug 2011, Jul 2011, Jun 2011,

Jun 2011, May 2011, Apr 2011,                                              May 2011, Apr 2011, Mar 2011

Mar 2011, Feb 2011)                                                              Feb 2011)

                                                                                                           

Worst delinquency 120+ days past due  None reported        180 days delinquent

Credit limit                 $ 4,500                        $ 4,500                        $ 4,500           

Remarks         Charged off account   Purchased by another lender     Purchased by another lender

 

 

 

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