🎥 Credit Repair Made Simple! Did you know that when a past-due credit card is closed, lenders report it as a profit loss to the IRS? 🤔 Here’s the breakdown: 1. A 1099-C form turns canceled debt into taxable income, which doesn’t appear on your credit report. (15 U.S. Code 1681 (2)(a)(i)). 2. By law, lenders should send you a 1099-C (Cancellation of Debt), but many don’t! 3. Enter IRS Form 4506-T! This crucial form reveals all discharged debts that should have received a 1099-C. 4. Attach the 4
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