5 000 cash loan

I am in the process of refinancing my mortgage, If my appraised value of my house goes up will I have to pay a supplemental tax bill next year?
If I can get them to settle wouldn't it be better than a charge off or leaving this on my report - maybe disputing it and getting it removed at a later date?
Try to pull your own credit or ask if you can pay for a credit report that a broker pulls so you can show more then one broker/lender.
Anyhoo...in reading some of the posts about the possibility of having your accounts deleted or closed for having inqs deleted, I checked my report...only 1 inq is from a card that I have...sounds pathetic, lol, so I only have to worry about that 1 account.