I have a company reporting “charge off” on my credit report when it should be a bankruptcy. Can you help me understand why it is being reported like this?
Accounts included in bankruptcy should have the status updated to show that is the case. Without more information specific to your credit history it’s impossible to say exactly why the account status has not been updated. However, there should be no difficulty in having the issue resolved.
When you received your personal credit report it included instructions to contact Experian regarding any information you believed to be inaccurate. The information includes a web site, toll free telephone number and mailing address.
Simply send a copy of your bankruptcy “Schedule A,” which lists all of the accounts included in the bankruptcy, and Experian will be able to update the account status using that documentation.
Thanks for asking.
– The “Ask Experian” team