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Discussion in 'Credit Talk' started by help?, Jan 11, 2001.
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A charge off a debt that the company was declared as a uncollectable debt. They have written the debt off for tax purposes. Normally you have to be very delinquent, like 120-180 days to reach this stage.
This hurts your credit terribly. It will stay on your credit report like all other negative marks for 7 years, unless you negotiate come time of deal to remove it.
Equifax codes this kind of delinquency as a R9.