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Question By
nymeria4

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20 People Helped
I have an AMEX charge off from 4 years ago that just started reporting again. its killing my score
I have an AMEX charge off that i defaulted on in early 2010. For some reasons the card stopped reporting 2 years ago. I just received an alert that the card reported yesterday as a Key Deragatory and my score has dropped 50 points.

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Top Contributor
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Thats why its called CREDIT HISTORY...

I can't say why it started reporting again. But it is part of your history.  The CC co can (and will) report for up to 7 years. 

Best Advice i can give is to try contacting them and see if they will remove it, but they really have no insentive not to. 

Good luck

Reply by
nymeria4

8 Contributions
20 People Helped

thanks. I know they will keep reporting which is fine but i want them to update all their data so that it doesnt reflect as new deragatory.  I might just take this up with the CFPB.  they've been suprisngly effective at resolving disputes.

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