I believe once your credit file is updated the reporting will stop. It cost creditor’s money to report every time.

thanks, I was thinking of this 2 weeks ago when I forwarded my discharge letters.

I also submitted copies to MC asking them to stop reporting a balance owed as the debt is paid.

It does seem long for them not to have your file updated. Unless they are double checking your letters with the creditor or collection agency and they are the ones delaying the process. If these accounts are still showing a balance they will double check just in case someone is trying to erase a debt that still isn’t settled or paid.

2 weeks and still not updated

If you faxed them in, they are pretty fast at updating. I would wait thirty days at the most. I don't know if your score will change in thirty days, you might need ninety days to see a change, I could be wrong.

I received my discharge letters and faxed them in today. How long should I wait to pull my file and score again?

I tried looking for it and they don't like to disclose their local offices. Here is the Equifax telephone number and they should be able to help you 1-877-323-2598.

average joe, how do you find out equifax local office, never see anything on their site

I am in Vancouver

The MC was with Wells Fargo, shows up as YES Charge on my report.
here is a copy and paste

Account #: ********

Condition: [Derogatory]

Balance: $1024

Type: Revolving account

Pay status: Bad debt/collection/skip

Payment: $45 Monthly (due every month)

Opened: 07/15/2005

Reported: 04/01/2009

Responsibility: Individual account

Two Year Payment History: Legend >>

30 Days Late
apr 30 Days Late
may 60 Days Late
jun 90 Days Late
jul 90 Days Late
aug 120 Days Late
sep 120 Days Late
oct Coll Chargeoff
nov Coll Chargeoff
dec Unkown
'08 Unkown
feb Unkown
mar Unkown
apr Unkown
may Unkown
jun Unkown
jul Unkown
aug Unkown
sep Coll Chargeoff
oct Coll Chargeoff
nov Coll Chargeoff
dec Coll Chargeoff
'09 Coll Chargeoff
feb Coll Chargeoff
mar

Past Due: $230 Remarks:
Bad Debt Write Off
Amt In High Credit Column (Disp 122-130 of Trade Segment) Is Credit Limit
High Balance: $1000
Terms:

Limit:

Last Activity: 04/01/2009

Once you send the new updated letter to the credit bureau your credit file will get update and it will show a zero balance. If you have a local office, take the letter in person.