I am only in debt about $3500 to $4000 on my credi
Date: Fri, 04/01/2011 - 08:30
I am only in debt about $3500 to $4000 on my credit report/ not counting my car. But this little dept is stupid stuff and some have gone to charge offs. Can I still pay for the charge offs or how do i get these off my report. Help!
You can call your creditor and inform that you want to pay off y
You can call your creditor and inform that you want to pay off your charge-offs. Charge-offs remain on the credit report for 7 years. So, it is better to pay them off. If your account has been sold to a CA, then you can request your creditor to withdraw it. Once the account has been withdrawn from the CA, you can negotiate a Pay for Delete settlement with the creditor. If the creditor refuses to do a Pay for Delete settlement with you, then ask him/her to update the account status as "Paid as Agreed" on your credit report.
If the account is not withdrawn from the CA, then you have settle the debt with the collection agency.
