So a few years ago my ex and I were still together at the time and it was a rough time. I had lost my job and my husband used my credit card to pay bills. But instead of paying the debt he never did, instead he maxed out the card and life kept getting rough. Anyways I had a account with discover and capital one that are closed or charged off. Is there anything that I can do to get these account open and being able to pay it off like I would if it was still a open card I could use. I wanted to send a letter but wasnt sure what I should put in it or how to word it. I want the accounts back open to be able to use it after I pay the debt down or off. That way it will help my credit and I could get the missed payment , and the fees and fines off of the report and total amount.
