Pete Peralta

I became sick last year and was unable to work. God is Good I'm healed. My loan account became delinquent and charged off. I'm getting back on track and ready to start paying this account off. Is there anything I should or shouldn't say when I call the creditor to arrange payments

New comment 19h ago

Pete Peralta

3 likes • 7d

@Deverrol Ray As you are probably already aware a Charge Off means that the creditor has written the debt off as a loss and has given up on any further collection efforts. If you do connect with them and you have the means to pay it off ask if they'd settle the debt at a reduced price and/or Pay for Deletion. Regardless if you pay it off or not If it stays on your credit report I'd still dispute any inaccuracy.

Pete Peralta

1 like • 6d

@Latoya Gordon Spot On! Love the way you think!

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Pete Peralta

@pete-peralta-1116

Real Estate Agent/Investor. First round of Business Credit done learning to excel in this space and help others. Love Tech, Marketing PPC, SEM & SEO!