@ConfusedbyCredit wrote:Also, this is more of a vent than a question.. I can not figure out for the life of me why other people have 700 CS with bankruptcy and my CS ranges from 580-605 b/c of two charge offs
Yes, the OC and the CA can both appear--but only the current CA and only ever CA that's ever had the account. They can only appear for 7-1/2 years from the DOFD--that's usually the date the account went 120 days late. Doesn't matter how many times the OC sells it to another CA.
What state are you in? I ask because of the SOL. Once they're past SOL, you can be a little more cavalier, and even tell 'em FOAD.