How to Find Charge Off Accounts for Sears

Sears is a major retailer in the United States offering a variety of credit card accounts, including a standard Sears department store card as well as a full-featured MasterCard. Citi, an international banking conglomerate, manages Sears credit cards. Credit card companies such as Citi generally will close your account after you fall six months behind, according to the MSN Money website. The account is then listed as charged off on your credit report, and can be listed that way for seven years.

Instructions

1

Visit the Annual Credit Report website to view and print your credit report for free (see Resources). The Federal Trade Commission endorses this site as a source of free credit reports under the terms of the Fair Credit Reporting Act. You are entitled to three free reports every 12 months.

2

Review the report to find the charged-off Sears account. The account will be listed with your other credit accounts and will be identified as a Sears account with a current status of "charged-off".

3

Contact Sears directly as an alternative or to ask specific questions about the charge-off. Contact the Sears credit card collections department at 800-733-1116.