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SarahEllen90

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A creditor just removed a charge off from my account then same creditor re-added the account
The original creditor just removed a charge-off from my account then added it back on a month later, knocking my credit back 37 points! They didn't sell the debt, this is the same creditor re-reporting just to hurt me. Removing, then re-adding. Can they do that? It seems unethical.

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Oh yes. They can do this seven to ten years. You can try disputing it on Experian, Equifax, and/or Transunion.  It may or may not work. You didn't pay the debt so they have the right to do this. 

Top Contributor
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Seven years is the general time a debt will fall koff the credit repoert.  The time when a debt can be collected depends on the statute of limitations for collections, which varies by state.  It would help if you searched for this information for your benefit.

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