Charge off amount and date

Bottomfeeder alert! Send disputes to both CRAs. They also both sound past SOL, what state were you in again?

Colorado - 6 years. The original creditor reported both of those charge-offs. The CA is suing me for $1800 they say was owed to OC on 11/04. The account number listed on the credit reoprt is the account number shown in the complaint (stated as original account number held my me with Bankxx) is not the account number I had and used with that bank) I have a pre-trial this morning to see if the judge will grant me discovery.

Ah, well bummer on the SOL. :( I thought it was worth a shot.

Yeah, definitely file a motion for discovery. If they can't report it accurately to the CRAs, they probably can't prove you owe it, either.

Sometimes the account numbers are different, the CA could have its own account number generating system.

Once a credit card is charged-off. Is the amount owed at that time-stopped accumalating interest and late charges? Or does it go on indefinet.

They can still continue to accrue interest after charge off but should not be accumulating late fees or over the limit fees.

Depends on the original contract...most continue with the interest.