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Charge Off Question


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Yup! They sure do. Usually how it works is they put 30 days late then 60,90 etc. days late on your CR after about 180 days they write it off as a "charge off" and assign or sell it to a CA. A paid chargeoff hurts your CR same as an unpaid cargeoff. You could have tried a PFD but that usually doesn't work with CAs anyway. If I were you I'd just dispute it with the CRA and see if the CA or OC verifys the debt. Use the flowchart.


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