What is the name of your state? CA
My husband had an old bad credit card debt that he'd defalted on during a bad point in his life. Last summer we settled it and paid it off, but it's still showing a balance and "charge off" on the credit report. He called them and they said that they got rid of that debt a long time ago and are no longer reporting it, and didn't want to listen when he told them it's still there. They said there's nothing they can do about it. Do we have any recourse? We're trying to buy a house this year so need to get our reports cleaned up.
My husband had an old bad credit card debt that he'd defalted on during a bad point in his life. Last summer we settled it and paid it off, but it's still showing a balance and "charge off" on the credit report. He called them and they said that they got rid of that debt a long time ago and are no longer reporting it, and didn't want to listen when he told them it's still there. They said there's nothing they can do about it. Do we have any recourse? We're trying to buy a house this year so need to get our reports cleaned up.
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