I'm a newbie coming on to how say how happy I am to have found this board! Since reading the posts, I've found the courage to start my own journey to "credit happiness". I've only pulled my Equifax and to my delight, it did not show my defaulted student loan, but it does show a loan my husband took out in both of our names: one of loans where you borrow against your anticipated tax return and allowed it to become "charged-off". My question is, how can I go about clearing this off my report? Do I try to settle? Pay it or get it off mine and onto my husbands credit report? sorry to go on, but any suggestions would be appreciated.
The big thing is don't pay it. If you do, you will lose any protections you have under FDCPA and cannot easily get it off if at all. You will be stuck with the bad tradeline.
