Who do I dispute this with?

[anonymuse]

On my credit card reports, Circuit City shows a discharged debt of $623. Just got off the phone with my credit union and we found the check where I paid that in full. And they're sending me a copy.

Do I dispute this with each credit agency? or do I provide the information to Circuit City for them to correct their account? or maybe both?

Wonder how much effect removing this well have on my credit score?

[tinroofrusted]

I would personally dispute this directly with Circuit City.

[anonymuse]

I just called Circuit City and they do show that it's paid in full, but they said since it arrived after their chargeoff date, it's still considered a charge off.

They're going to update my account and send me a letter that it is indeed paid in full.

Can they still note this as a chargeoff?

~K