Charge-Offs
Original creditors and sold debt
A charge-off is an accounting decision by the original creditor, not a cancellation of what you owe. It often coexists with a collection tradeline for the same debt, which is where double-reporting problems begin.
These guides explain the difference, how to spot duplicate reporting, and how the reporting clock works from the original date of delinquency.
Articles coming soon
We’re still writing this topic up. In the meantime, the free readiness guides cover much of the same ground, or browse every article.