How to settle beside charge bad vindication? The bank asks for the whole amount giving me no breaks.
Answer:
charge off.. is already a discouraging strike on your credit report
do not pay it off
the 7 years of desperate credit will start the minute you make even one other payment
the wreck is done.. do nothing
Tell the bank turn milk other cows and leave you alone . Or you can negociate them to remove the bad narrative from your 3 reports after you paid . Make sure you have their agreement within writing . If they don't agree to your term, then bestow it alone cause paying or not paying the charge off doesn't abet your credit that much .
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