Like everyone else, I'm working to raise my score. I returned a leased vehicle during a divorce period, knowing it would show as negative, but having no choice. My report now shows me having 6,000 owed to this company and the co. considering it a charge off/ bad debt. I've read all the info on re: how paying off old debts has often negative results, and how waiting for the "ding" to pass is best. QUESTION: Would it be benefitial to send owed company divorce papers stating that I am legally only responsible for 3,000? Would that benefit the score?
