Charge Off
Date: Mon, 01/31/2011 - 08:58
I got my first (and only) credit card in '09, it has now been charged off. I owe about $1300 on it. I'm wondering if I should even pay this since it has already been charged off? I have heard of debt validation letters, should I send one? I really have no idea what to do, but I do know my credit score is terrible and I would like to build my score. I have a car loan and student loans that I make payments to on time, so that should help my score. Any help would be appreciated.
Is someone contacting you to pay the debt? If not, I would call
Is someone contacting you to pay the debt? If not, I would call your original credit card company and try to negotiate a settlement with them.
