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"Transfer/Sold" vs "Closed"


evileeyore
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Hi -

I have a few accounts that are in status "Transfer/Sold (charge off)" and several more that simply say "Closed (charge off)". I assume that means those accounts have been closed/charged off, but have NOT been sold to collections agencies? Is there any liklihood that I can still negotiate payment with the original creditor? If I do negotiate payment, will anything change for the better on my credit report?

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