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When a creditor you owe money to gives up on trying to collect the debt and closes the account it is called a charge off. Charge offs simply mean the remaining balance was written off as a bad debt. Charge offs are then reported to credit bureaus and cause a person's credit rating to fall. Disputing credit report information such as charge offs is an excellent way for people to remove negative marks on their credit report. Clearing away charge offs from your credit report thereby raises…
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