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Charge-Off or Continue with Credit Counseling
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Posted by datagoddess (12.150.129.2) on June 04, 2002 at 09:55:05:
After my divorce, I entered a credit counseling program. Through this service, I have been paying off credit cards for the last 3 years. However, on my credit report, it shows up as "account closed, in credit counseling". I have 2 years left on the program, but am wondering if it would be better to just take a charge-off on the 4 remaining cards. I have paid off one of the cards. How would a charge-off affect my credit? Would it be better to continue with the program or take a charge-off?
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