Moderator Emeritus
Posts: 32,869
Registered: ‎08-04-2007
Re: Paid Charge-Off

Regardless of the score change, your lender probably will require you to show a $0 balance. It's also factoring into your DTI. If I had that I'd take the steps now to update it via a dispute (assuming the account is younger than your AAoA) or call Barclays. You can always GW them at the same time. Who knows. Maybe they'll delete some of the lates, CO reference, etc. There's a risk they might delete, which could help or hurt depending on its age. It could also be factoring into util, though without an update in 3 yrs that isn't as likely.