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⚠️ Charge-offs are one of the most misunderstood items on a credit report. A charge-off doesn’t automatically erase a balance — it means the original creditor stopped actively collecting and wrote the account off for accounting purposes. In some cases, that account may later be sold or transferred to a third party, which can change who is allowed to collect and how it must be reported. 📌 Here’s what many people miss: ✔️ The details matter (original contract, ownership, reporting accuracy) ✔️ No
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