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HELOC 1009-C charge-off dates inaccurate
I had a short sale in 2010 with both a 1st and a 2nd (HELOC), the HELOC was about $115K. I received a 1099-C for that amount from the lender with a charge-off date of 12/31/2012. But now on my credit report it states the charge-of date the lender is reporting is 7/1/2014. I have fixed much of my credit and considering buying a house but am told this is a problem. How should I handle this?

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