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why chat , scott. sears charge off?


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Posted by captain crunch (24.136.4.57) on May 04, 2003 at 23:17:31:

i have a charge off with sears from 03 2000. there has been no activity since then. one month ago sears or the CA reported that i was 120 days late on this. this has lowered my score from 547 to 500. ( my score sucks). since there has been no activity how can they put a recent update that says im 120 past due. is this legal? experian said my score was lowered due to a late payment within the last 3 months. I have had 0 late payments in the last 2 years. please help.....great site!! thanks


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