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Credit Card Charge Off
I have 2 cards that were charged off. One is with BofA and we worked out payment arrangements. I am paying as we agreed, but on my credit report it shows as a "Charge Off" - is that right?

Also, the other card was through my credit union and the card charged off, and I am paying with arrangements but they have not and cannot provide me with a statement or summary of the debt. I have requested numerous times. Aren't they legally required to do this?

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