My Identity theft shield shows a chapter 7 discharge with zero balance. Can that happen after filing for a chapter 7 bankruptcy? Thank you in advance.

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I have agreed to pay 0.00 on a balance of 2.94 as a settlement amount wiping the debt to a zero balance. I want a contract to state this using specific language protecting me from bad reports on my credit. For example "settlement" or "Paid as agreed" etc. I do not want to give the collection agency any way to twist or re-assign my debt. Please advise. Your experience? Specific language requested.

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We need to get my husbands credit score up 45 points before we can get our morgage loan. and we need to do it pretty fast (6-10 weeks) We dont have alot of money to pay things off but we’re planning on paying an old 0 verizon bill and then he had overdrawn a checking account by 0 but on the credit report its a charge-off and it has a zero balance. Its only like 6 months old. Can it still be paid off? and will they take it off his report? and will it improve his score by much? thanx

Technorati Tags: checking account, credit score, money, morgage loan, thanx, verizon, verizon bill, zero balance