I disputed some charge-offs on my credit report. When I called to check the status of my investigation, I was told that the new balance would be updated to zero. Would this help or hurt my FICO? Next question, equifax is reporting accounts that have been charge off as being open. Would it be a valid dispute to change the way it is reporting if I dispute the fact that I have a chargeoff and it's open. If I am correct, you can't have an open chargeoff right? I don't really need to loose my accounts if I can help it, I just need to change the way they are reporting. I need the history on those cards because if I remove them, I will basically have no credit. Any suggestions on any of the questions?
