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Frequent Contributor
jzsnow
Posts: 421
Registered: ‎08-03-2012

How to deal with OC when CA has debt?

[ Edited ]

I'm working of my husbands credit and need some help! He has 3 charge offs from 2007. The JBD and the OC is listed on the CR. I am going to try a PFD to the JBD, but what do I do with the OC?

 

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Valued Contributor
madmann26
Posts: 1,402
Registered: ‎08-30-2012

Re: How to deal with OC when CA has debt?

The JDB will let the OC know that its paid. If not you can show the OC proof of payment.

P.S. keep your real name to yourself.

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Frequent Contributor
jzsnow
Posts: 421
Registered: ‎08-03-2012

Re: How to deal with OC when CA has debt?

Thanks 

 

if I show proof, will the OC delete? 

Valued Contributor
madmann26
Posts: 1,402
Registered: ‎08-30-2012

Re: How to deal with OC when CA has debt?

Not likely. The zero balance will help your scores though. You can try to GW them later however.

Starting Score: EQ 511 TU 552 EX 545 8/29/2012
Current Score: TU 705|EQ 690|EXP 698 (FICO)
What's in my wallet? Cap1 PLAT AU $1.25k; Cap1 Cash AU $2k; NFCU Siggy $23k; $4k WalMart DC; CFNA Firestone $2.2k; Amazon $1.5k; NFCU Cash Rewards $22K; AMEX BCE $6k; NavCheck $15k; Lowe's $10k; Citi DP $6.3k; AMEX ED $8.5k
Goal Score: 700 across the board.
Take the FICO Fitness Challenge
My Journey
Frequent Contributor
jzsnow
Posts: 421
Registered: ‎08-03-2012

Re: How to deal with OC when CA has debt?

The OC has it a listed as a 0 balance and charge off. I guess I'm not seeing how the OC knowing I paid the JDB would help.


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