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Hello all! Thanks in advance for any help. It's nice to find a public place like this to seek advice. I am curious how to best go about taking the next step in repairing my credit. Four years ago I went through a period of financial difficulty after closing my own business. I managed to settle a $2000 charge off with my debt collector thinking I was doing the right thing for my record. I now have this sizable black mark on my report I have been struggling to get out from under. I've had the good fortune in the ensuing years of learning a lot and becoming very gainfully employed. I o