"Like you I have a charged off account that I am paying off fairly fast. But I go back and forth some times about whether it's worth it do if this derogatory data will remain in my file for x number of years and affect everything from apartment rentals to opening up new savings accounts even after it has been paid off! "dollarbill65,It may seem like it's not worth the trouble of paying it off But, think about this....The only thing that will secure a mortgageor any future is the bottom line which is a "0" balance make a deal with the creditor that if you want my money then I want it reported as a paid charge off...My 2 cents FWIW and remember free advice worth every penny!nomorecards!
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