We had a Ch.7 discharged in 12/02. NFCU was reporting our car loan as 90-days late with a balance due. I disputed with the credit bureau. Now it is coming back with a zero balance, included in BK, BUT also with a notation as to it being charged off. I know this will further screw up our scores. Can anyone offer any advice to getting this "charge-off" notation removed? Thanks.
