Bad credit and need a business loan? We provided bad credit business loans for US based businesses. We also provide start up business loans. We have over 20 years experience in financing high risk businesses. Read More »
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Find your local Sweep Safe Certified chimney sweeps, operating to the high standards of the industry, certified and insured. Read More »
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Forex Lens is one of the world’s most affordable Forex and Commodities trading platforms, providing forex signals and analysis to Forex traders worldwide. Read More »
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Searching for a Top Quality Family Dentist in Winter Garden FL? Read More »
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Looking for used cars for sale in Abu Dhabi that are available at the best prices? Then you should certainly visit Storat.com, the ultimate online destination for people in Abu Dhabi and UAE to look for high end cars and vehicles. Here at Storat.com, we present top quality cars of the most popular makes and models that can offer you a smooth riding experience. Read More »
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What is a 'Charge-Off' - A charge-off is a debt, for example on a credit card, that is deemed unlikely to be collected by the creditor because the borrower has become substantially delinquent after a period of time. However, a charge-off does not mean a write-off of the debt entirely. BREAKING DOWN 'Charge-Off' - A charge-off usually occurs when the creditor has deemed an outstanding debt is uncollectible; this typically follows 180 days or six months of non-payment. In addition, debt payments that fall below the required minimum payment for the period will also be charged off if the debtor does not make up for the shortfall. The creditor crosses off the consumer’s debt as uncollectible and marks it on the consumer’s credit report as a charge-off. Effect of Credit Report and Credit Score - The repercussions for having a charge-off on your credit report includes a fall in credit score and difficulty in getting approved for credit or obtaining credit at a decent interest rate in the future. Paying off or settling the overdue debt will not remove the charge-off status from the consumer’s credit report. Instead the status will be changed to “charge-off paid” or "charge-off settled.” Either way, charge-offs remain on the credit report for seven years, and the affected party will either have to wait out the seven years or negotiate with the creditor to have it removed after paying off all the debt. In the latter case, if the inability to repay the debts on time was due to a temporary setback like job loss, the debtor could write to the lender detailing the issue with proof of a good payment history up to the time he lost his job. Read More »
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