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plasticuser

2 Contributions
7 People Helped
Discover has re-opened a charged off account after five years?
It has been reported as charged off/closed since 2009. I recently restarted credit card activity as I rebuild. Suddenly, they have changed the status to open/charged off, so the debt shows as part of my DTI ratio, and also shows as 54 late payments. Will this hit my credit or is it already figured in? Can I file a dispute?

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