Exactly what constitutes a serious delinquency?
Is it just a late, 20 lates, a collection or what?
My credit BEACON FICO says serious delinquency is the number one reason why my score is a 665.
and what exactly is a charge off? I thought it was when you are so late that they turn you over to collections, as one of my credit reports has a little repossession/charge off box, i think that was qspace or something.
I signed with ameridebt a while ago and not long after, Citibank closed my account on me even though I was never late, is that considered a chargeoff?
Exp:696 +31 Tu 701 +61, Equ:680 +16