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Established Contributor
myhearts07
Posts: 858
Registered: ‎06-26-2007

Chargeoffs due to BK

How do I get rid of a charge off that is becaue of BK?
Regular Contributor
Joe77
Posts: 218
Registered: ‎07-29-2007

Re: Chargeoffs due to BK

Pull your myfico.com report and dispute every chargeoff and other account included.  It should be corrected to show balance 0 and "included in bankruptcy" in the report.
 
I did it and my score went up 60 points immediately.
From BK to 700 FICOs in 4.5 yrs.
Established Contributor
myhearts07
Posts: 858
Registered: ‎06-26-2007

Re: Chargeoffs due to BK

Really?  Wow.  That is great.  Could use 60 points.  Concerned that if I dispute now that it will hurt us because we are trying to refinance.  Am I right?

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