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Charge Offs

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<blockquote>Originally posted by Carrie99

If I have charge offs on my credit report what does that mean and should they take them off once they have charged off as a bad debt?


No, a charge off only means that the OC has deemed the debt uncollectible, it doesn't mean you're no longer responsible for it nor that they can no longer report it. Charge offs and collections stay on your report for 7 years unless you get it off sooner using the strategies people discuss here. Stay around and read up on the board and you'll see what we're all doing here.

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