Thank you for requesting me!
It sounds like the respective credit bureau(s) that are reporting the loan "charged off" have not updated your credit report since reinstating the loan.
Fortunately, there is a solution to this. The easiest way to handle it is to dispute the incorrectly reported information. At that point the credit bureau will contact the creditor, check on the status of the debt, and update your credit report.
If all three credit bureaus (Equifax, Transunion, and Experian) are incorrectly reporting this, then you will have to file 3 different disputes.
Good news....these disputes are relatively easy to make. Please click on the following credit bureau names to begin making the dispute.
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My question clearly stated that the repo was two years ago. The credit reports have been updated since then. This was a phoned in answer and didn't help at all.
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