How to Remove a Charge-Off From Your Credit Report

Charge-offs are detrimental to your credit. By the time your account gets charged off, you’re already 180 days late. After that, the charge-off listing will remain on your credit report seven years from the date it was charged off. In total, the account remains delinquent on your credit report for seven and a half years. That's a long time to have such a negative entry on your credit report. Charged-Off Doesn't Mean Forgiven

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