I pulled my scores today just to see where I am at. I have been through chapter 13 which I dismissed. I just modified my mortgage and my car and because of previous chapter 7 in 2011 had no real cc debt. I did have 2 loans at a credit union. There were after my chapter 7. One was a credit card for 1000 and the other was a start over loan for 475. Due to circumstances beyond my control, I could not pay them and hence the chapter 13 file to save my house. It is long story but I dismissed them. However the cu account is reporting a balance of 1360.00 account charged off. It has not been sold. I contacted them about payments to repay but heard absolutely nothing back from anyone. From reading here I know that the 1360.00 reporting is ok and that the debt has not been sold. Do I just sit on this and let it age? t is affecting my utilization as big red flag because i is over the limit etc. They obviously don't want to work with me so is there anything I can do, should do to get it to zero balance?
