> With the collection accounts the damage is already done, > to both you (credit report) and them (original creditor).That's only true even from an accounting standpoint if the account has been charged-off, which isn't clear from anything we've discussed.In any case, whether charging-off the account closes the matter from an accounting standpoint or not, the creditor still continues to lose an ongoing benefit from the money that they would have had if they were paid on time.Anyway, charging off an account isn't done to forgive the debt, it's done because from the creditor's standpoint the odds of collection become low enough that it's not worth the time and effort to keep the account on the books. That doesn't make it right to ignore the debt.Did I say I wasn't going to defend myself anymore? Oops. :-)-- Mark
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