@wonton1 Yes there is a way to do this. The first option below is expensive which would initiated by the lender not the consumer.
https://money.usnews.com/loans/mortgages/articles/what-is-a-rapid-rescore-and-how-does-it-work
The second way is less expensive but the time it takes is longer. Get a copy of your credit report and dispute that trade line with the credit bureau. Submit with that dispute the proof (a copy of a statement that shows the balance being at zero.)
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