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Not sure you need more revolving accounts if you already have 4 reporting. I am in the same boat, not much movement because of a couple charge-offs that are reporting balances even though 1099-Cs were issued. Reporting a balance when sneding out a 1099-C is a real crock of **bleep**aki.
You should contact the creditor and verify that they wrote off the debt (that you no longer owe it). Many times a 1099-C means the creditor has written off the loan, but sometimes the form is just filed per IRS guidelines. Thus if the creditor has actually forgiven the debt, ask the credit bureaus to update your reports to show $0 balance.
My advice is to Google the issue and then when you see some attorneys that have had success with this issue (I found some just right now), then contact them and see what they say (free consultation). As this seems to be an issue right now with many people...at least then you will know the issues and your options.
Just my opinion...
Total CL: $321.7k | UTL: 2% | AAoA: 7.0yrs | Baddies: 0 | Other: Lease, Loan, *No Mortgage, All Inq's from Jun '20 Car Shopping |