Two charged off Comenity credit card accounts came back as verified after my dispute. What should my next steps be to get them removed?
My two Comenity Bank accounts that were verified as accurate in the investigation results:
- COMENITY BANK/LNBRYANT
- Date Opened: 03/20/2019
- Account Type: Revolving Account (Charge Account)
- Balance: $0
- Credit Limit: $230
- High Balance: $408
- Original Charge-off: $408
- Date Closed: 12/01/2019
- Last Updated: 12/01/2019
- Pay Status: Sold; was Charged-off
- Remarks: "PURCHASED BY ANOTHER LENDER; PAID IN FULL/WAS A CHARGE OFF"
- Estimated Removal Date: 05/2026
Payment History (Rating) for 8 months (04/2019-11/2019): All marked as "X" (Unknown)
COMENITY BANK/TORRID
Date Opened: 03/21/2018
Account Type: Revolving Account (Charge Account)
Balance: $0
Credit Limit: $150
High Balance: $813
Original Charge-off: $351
Date Closed: 06/30/2022
Last Updated: 07/26/2022
Last Payment Made: 11/05/2021
Pay Status: Sold; was Charged-off
Maximum Delinquency: 120 days in 03/2022 and 05/2022
Remarks: "PURCHASED BY ANOTHER LENDER; PAID IN FULL/WAS A CHARGE OFF"
Estimated Removal Date: 11/2028
Payment History (Rating) shows progression from OK to delinquent:
- Started with OK payments
- Progressed through 30, 60, 90, and 120 days late
- Eventually charged off
Both accounts were verified as accurate during the investigation and both show as being charged off and subsequently sold to another lender, though they were ultimately paid in full.
Is there anything I can do to get them removed? Should I search for inaccuracies across the 3 credit reports and dispute again? Or is it best to just leave them be?