Is there anyway to get an home equity line of credit with a recent charge off? My credit score is 670 and my husbands is unknown. In Sept. Providian charged off his account after he signed up with a credit counseling company. Is there anything I can do? I've been talking to the credit counseling company but they aren't very helpful so far. Should I call Providian, would that do any good? Do I have any ground to dispute the charge off?