@DiamondDan73 wrote:
Would it make sense to include a paid or settled charge off in a Chapter 7? I have a a few charge off's that I settled in 2020 and they are listed as either a collection account or a personal loan. They are reporting as Paid. Closed. $300 written off or Account paid in full for less than full balance.
I've tried to dispute them but they come back as verified. I would having them reporting as included in bankruptcy be better?
If the COs occurred and were paid off prior to your BK filing, they cannot report as IIB.
FICO 8 EX 829 EQ 824 TU 844
Current lineup as of 9/24
American Express Blue Cash Everyday 20K | American Express Blue Cash Preferred 20K I American Express Cash Magnet 5K I Bank of America Customized Cash Rewards Visa 20K | Kinecta MyPerks Rewards MC 35K | TD Bank Double Up Visa 5K | USBank Platinum Visa 5K | BMO Harris Cash Back MasterCard 12K | Capital One QS MC 11K I NFCU Flagship Rewards Visa 25K I NFCU Amex 20K | NFCU CashRewards Visa 20K I Citi Best Buy Visa 10K I Macy’s Amex 14K I Bread Financial American Express 10.5K I AAA Daily Advantage Visa Signature 8.5K I Wells Fargo BILT World Elite MC 30K I BCU Cash Rewards Visa 8K I Saks Fifth Avenue World Elite MC 8.3K I JCPenney Mastercard 6K I UCLA Wescom CU Rewards Visa 7K I Pottery Barn Visa 5K I PayPal Cash Back Visa 9K I
