My husband had a credit card prior to our marriage with USAA. After we were married he continued to have his card until we experienced financial hardship. The credit card was charged off and we filed a 1099C on our taxes. We have car insurance through USAA which we had prior to credit card. I was able to get checking and savings account although when I asked about rental insurance I was told that because of the credit card we could not get renters insurance. Our finances have changed and we offered to pay the balance on the charge off which they said we could not do because of charge off and 10099C. How can we get back to a good standing again? Can we ever?
