JJ in Illinois says: “I filed taxes in 1999 with HR Block and received their rapid refund loan. It turned out they calculated my taxes wrong and HSBC wanted their money back. I was slow in paying it, trying to find out what went wrong. I finally paid the money back in full and it shows up on my credit report as a charge off to this day. This was over 7 years ago and should be able to be dropped off of my credit report as late payment history but HSBC keeps updating the file as charged off but closed, so it stays on there. They did not charge off the loan and I did pay it in full even though I had late payments. I have tried to have it taken off but since they keep updating it, the credit bureaus won’t take it off.”
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