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How to Pay Off Charged-Off Debt

Most lenders and creditors write off an account as a bad debt six months after it becomes delinquent. That doesn’t get you off the hook for paying the money you owe, as the debt will appear on your credit report as a charge-off. The creditor can then turn the account over to a collection agency. Although settling an old debt can lower your credit score, it is smart to pay off the debt if you want to apply for a home loan.


Learn everything you didn't know about credit scores in one easy infographic. The truth, the myths, what we lenders look for and how you can improve your score for the better.


How to Build Your Credit Score

If you ever see yourself borrowing money down the road -- whether it's for a home, car, or business -- you'll want to have a credit score that is squeaky clean. Here's how to build your credit score from the ground up, especially when you have little or none to start!


9 Secrets Your Debt Collector Doesn’t Want You to Know

9 SECRETS YOUR DEBT COLLECTOR DOESN’T WANT YOU TO KNOW - Here are 5: 1. You are not obligated to communicate with collection agencies. 3. Paying it off won’t wipe it from credit reports. 6. You may be able to negotiate best deal at end of month. 7. You may be able to work with original creditor. 9. You may be off the hook - statute of limitations reduces legal remedies available to collect it. In most states, statute of limitations runs 4-6 years from date last made payment.


How to Remove the Information From Your #Report, So You Can Qualify for a New #Loan?

'Improve your gene pool by marrying somebody superior to you': Obama offers advice to single men (and shows them how it's done)