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Settled Chargoffs


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Anything is possible......

That being said, it has a lot to do with the age of the debt and the company who is reporting it. Some have very good records, others don't. If your settled chargeoff is listed as "legally settled for less" notation, disputing could risk that this is changed to "chargeoff" and tank your score (because it looks fresh).

Some have had success with the OC and paid the difference to get a deletion. Again, YMMV.

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