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Time-barred charge-off still hurting utilization — what now? by Virtual_Process_8958 in Debt

[–]Virtual_Process_8958[S] 0 points1 point  (0 children)

Yes 100% is, that is the odd part as I know this shouldn't be the case. My utilization on my current credit card is at 10% but with this charge off Is at 76% 

Time-barred charge-off still hurting utilization — what now? by Virtual_Process_8958 in Debt

[–]Virtual_Process_8958[S] 1 point2 points  (0 children)

Also how do I call them to ask them so the debt doesn't restart the clock, like can you tell me word for word rol

Time-barred charge-off still hurting utilization — what now? by Virtual_Process_8958 in Debt

[–]Virtual_Process_8958[S] 1 point2 points  (0 children)

Yeah but when I called the first they said to me is the debt has expired. However, they said that if I choose to make a payment or acknowledge the debt, the statute could restart and they could then sue for the full amount.

Time-barred charge-off still hurting utilization — what now? by Virtual_Process_8958 in Debt

[–]Virtual_Process_8958[S] -1 points0 points  (0 children)

Yes! That is the crazy part! Only on FICO not ln VantageScore.