Hey everyone! I was hoping to come on here and ask for any help, advice, guidance I can. In 2019 I had 3 credit cards charge off. 2 chase and 1 Amex. I was able to settle the accounts and try to make amends Bc I owed that money. We just moved to a new state and we're trying to buy a house. So once I paid the charge offs, chase made them current. It's been a back and forth mess for 2 months. First they updated and filled in all the months they hadn't been reporting (since 2019 it was nr). And they all say CO. Then they hit me with a 90 late for the month I paid it and this month as well. Then they made the account zero. And yesterday they added a balance back to one of the cards. I've been preapproved for a mortgage, but the du is saying 15% down because of derogatory credit, which of course is this.
is there any way to fix this? Every time I call or dispute it just makes it worse.
my most recent report from 10/11/21 says
equifax: last updated 9/21 status charge off balance 2256 credit limit 2500
transunion: last updated 9/21 status paid after charge off balance 0 and dashes everywhere else.
experian: last updated 10/21 status: paid in full for Less than full balance balance: dash
and then it has 90 day lates from 10/19-through 10/21
account was settled on 9/13/21
