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No, filing the form itself doesn't affect your credit score. However, If you’ve received a 1099-C, the damage to your credit has most likely already been done.
so im confused. if i was insolvent which is what caused the debt that is now beyond statue of limitations (almost 20 yrs) but im not insolvent now and now 20 yrs later is when they decide to discharge the debt does insolvency not apply? i still have to even verify the debt because im not certain its even true.
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