Due to a serious illness of XXXX of us beginning in XXXX, my spouse and I experienced financial difficulties that resulted in a charge off dated XXXX XXXX, XXXX, with our Mortgage Lender on a home equity line of credit ( second mortgage position ). Our first mortgage remained paid, but the home equity line lender, Wells Fargo Bank, obtained a judgment against us in XXXX, and has been receiving monthly payments ever since XXXX, currently in the amount of {$600.00} per month, being voluntarily paid by us. Since XXXX, we have been trying to refinance our home to pay off the judgments against us, by using the equity in our home, so that our credit scores will recover, and we can get fully back on track. But Wells Fargo continues to report the XXXX XXXX charge off as a current charge off, dated XXXX XXXX, in addition to reporting the XXXX judgment, which has caused our credit scores to continuously remain " deadbeat '' low, to the point that we can not qualify to refinance our mortgage to help clean up this credit mess. How can Wells Fargo continue to ding our credit score XXXX, by reporting both a judgment and a charge off against us, and show the charge off as only a year old, when in fact it occurred in XXXX? Please Help Us. 
