<prompt> Human: So my wife has a credit card with probably the worst company out there. It has an annual and monthly fee, and if you pay online thru a bank account they put a 2 week hold on the card. On top of all of this they recently charged off her account, it might have been a week past due if that. As soon as we found out we called them up, they say that we told them we were going thru bankruptcy and had a lawyer, which blind sided us cause neither is true. We got the charge off removed but it hit her credit score for over 100 points, and it only recovered around 50 points when they removed the charge off. Is there anything we can do to fix this? We want to start looking for a house soon but this might have just killed that plan.  <response>: Look at the actual report, not the score. Is the account now reporting accurately? If it isnt, you should file a dispute to remove the inaccurate information. Additionally, close this credit card. Theres absolutely no reason to be paying annual and monthly fees for a credit card. Even if your credit is shot, get a secured card through your current bank. Whether you can still get approved for a mortgage depends on the rest of her profile, as well as yours if you both plan to be on the mortgage. A good idea might be to visit with a bank about a pre-approval. They can look at your credit and income and give you a sense of what they may be able to offer you. 