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What is a Charge Off?

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2 Responses to “What is a Charge Off?”

  1. harry says:

    In PA, what is the length of time a Charge Off amount will appear on your credit report if you have “settled” the original balance owed?

  2. Greg Artim says:

    That is a federal question, pursuant to FCRA adverse credit is 7.5 years past the date of delinquency (usually earlier than the charge off date). 10 years for judgments.

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