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This is going to be a long one, so I apologize now for all the questions...I've been doing some reading but still need some clarification about 1099c, so any insight or info would be appreciated. I have an old BOA charge off that I never did anything about because it was still within SOL until this year (which is, I’m guessing, why they decided to issue me a 1099c). From my reading, it’s my understanding that they should have filed this within 3 years from the DOFD, right? If that’s true, what can I do about this? I may be able to prove that I was insolvent – I believe I wasn’t working at the time, but I will have to go back in my bank records to confirm. If this is the case, do I need to amend my tax returns with a 982 form? How does a 1099c affect my ability to remove the TL from my reports? I am guessing that if I were to dispute this now it would come back as verified because of the 1099c? I ordered my reports weeks ago and have not received a response from any of the CRAs, so I backdoored TU. From what I can see, nothing has changed. This is the info on the TU TL: BOA Date opened: 7/27/07 Balance: $861 Date Updated: 05/30/09 Last Payment Made: 03/31/09 (not true, did not pay after CO) Past Due: $354 Pay Status: Charged off Date Closed: 01/08/09 (Shows 120 days past due for Jan, Feb, Mar, Apr of 2009) Remarks: Closed by credit grantor; Unpaid Balance Charged off Est. Removal: 09/2015 This is what is written on the 1099c: Date of Identifiable Event: 12/31/13 Amount Discharged: 603.28 (I don’t know where they got this number from, I think the portion that is not attributable to fees and interest was less than $600) Description: Uncollected Debt Borrower was Personally Liable Event Code: G Any suggestions? Thanks!!