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charge off vs. collection


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Posted by utchuck (204.109.31.11) on January 16, 2003 at 19:58:16:

Is a collection the same or as damaging to your credit as a charge-off? Also, if you have a bank account and it goes negative, and they close the account, is that a charge off or a collection item? It has never shown up my Transunion or Equifax reports (yet, has been over a year now).



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