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How can I get my second loan settled if it has been charged off?

How can I get my second loan settled if it has been charged off?

I have a 1st and 2nd loan from a certain CU, I have modified these loans 2 years ago (after not paying it for a year). I know I am current on my payments until I learned recently that the 2nd loan has been charged off 2 yrs ago prior to the modification. The lender told me that instead of putting it in writing that I only "verbally agreed on the 2nd loan being paid" for such amount, I was not able to get a copy of what I signed before but I'm pretty sure I signed an agreement for both loans. I am still paying for the 1st/2nd loan but the charged off has been affecting my credit tremendously. Is there anyway I could do to get this fixed?


lenycard1's picture
lenycard1
11-01-2012

272 Answers
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As you're paying the 1st/2nd loan properly, you should request the lender to remove the charge off status from your credit report. If you're paying it to the lender, then the lender should report it as normal payments. He should not report it as charge off.

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