Yes, you heard that right. Let's say at some point you settled a debt with a collections agency, and they marked the account as "paid charge off" or "settled charge off" or something similar. Despite the fact that it's now paid, being marked as such will

If you have a charge-off on your credit history, all this means is that a creditor gave up on you and turned the debt over to a collections agency. It doesn't mean you no longer owe the debt, it simply means that the creditor has written it off for tax re

They keep bugging you. It borders on harassment. They call you at home, work, over and over. Credit card collection agencies. You're sick of their calls, and you want them to stop.

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