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Yeah it generally indicates it being sold.
You dont learn without asking!
Reporting of a $0 balance by the OC means that, for whatever reason, they are posting that you no longer owe debt to them.
The usual reason is sale of the debt, but it could also reflect that they cancelled the debt, or that it was discharged by BK.
If a purchasing debt collector then reports a collection, the amount they report signifies both the amount they are collecting and the amount of debt owed to them.
You don't have to have an open CC in order for your utilization to be that high. If the OC is reporting a balance and CL on a closed account it is factored into your utilization.
@chevyman wrote:
One report says credit available 1845 credit used 1912
It's reporting like that cause of possible late fee's being added on before the charge off took place.