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Items closed with a balance

Submitted by chymerajstreater on Tue, 02/20/2018 - 19:00
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Good day.
If an account has been closed and listed as: Charged off as bad debt Profit and loss write-off. Does it affect my credit score in a negative way. If so , since it still shows a balance, could I offer them a settlement, and if so will that affect my credit score in a negative way?