You might want to put your whole post in another thread. You've got a lot going on that you need answers to that don't necessarily have to do with my original post and require really long answers.
The quick answer to one of your questions is that CHARGE OFF and ACCT TRANSFERRED/SOLD are both 100% valid if the action occurred before your discharge. Those are internal accounting actions and have nothing to do with you owing money. As long as the balances are zero, dispute them once (trying for IIB) then forget about them. I covered this in my OP.
Cheers,
-SM
Starting Score: ~470 preBK(8/2010)
Soulmaster,
I am kind of following your advice. However, I started this process because I got an offer from Capital One 5 months post bankruptcy. That is my first credit card. I then proceeded to open an account at a local credit union and opened a credit builder loan about 2 days ago. So should I be applying for an orchard bank card or stay with the cap1 and apply for the next card in your roadmap? I am afraid of applying, getting denied and lowering my already low scores....
Thanks for your help.
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