Reply to Can't rent because of a charge-off...what can I do?

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Reply to "Can't rent because of a charge-off...what can I do?"

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[quote=Anonymous][quote=Anonymous][quote=Anonymous][quote=Anonymous][quote=Anonymous]Pay your bills then rent.[/quote]

I paid it. It's still on my credit history. [/quote]

[b]It won’t be in your credit history if you paid the original creditor in full. [/b]Either you paid the party that acquired the debt and/or you paid them a negotiated lower amount. [/quote]

I guess DH might have paid a debt collector. I honestly don't know. I was very depressed and didn't even realize the bills had stopped coming until we tried to get a mortgage and I was flat-out denied.[/quote]

This is not true. I posted earlier. Due to a 4 way dispute between myself, an accountant, my employer, and the state of Ohio, I had a tax lien listed on my credit history for 7 years. I had a letter from Ohio proving I paid it in full on the day I was notified of the lien. A few months later I also had a letter from Ohio to my accountant with my case number confirming it was in error and not actually owed in the first place! None of the big 3 credit bureaus would take it off my credit history. All they would do is put a note in my file - which doesn’t count for anything if you are applying for a mortgage. [/quote]

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