If you’re still disputing a charge-off from years ago and it keeps coming back verified… this is why 👀 Once a creditor writes off a debt and files it with the IRS, it becomes a profit loss for them — and potentially taxable income for you. And income does NOT belong on your credit report. The problem? They don’t want to hand over the 1099-C. The workaround? You go straight to the IRS and pull the transcript yourself — then attach it to your dispute the right way. This is the method most people
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If you’re still disputing a charge-off from years ago and it keeps coming back verified… this is why 👀 Once a creditor writes off a debt and files it with the IRS, it becomes a profit loss for them — and potentially taxable income for you. And income does NOT belong on your credit report. The problem? They don’t want to hand over the 1099-C. The workaround? You go straight to the IRS and pull the transcript yourself — then attach it to your dispute the right way. This is the method most people
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