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How can i get a charge-off taken off my credit report.
I have a 6yr old car loan that was charged-off, the creditor is not willing to take a settlement, and im trying to purchase a home, but my loan processor will not do the loan becuase of the charge. Will it follow off in 7yrs, but it was update on 8/12/12, so is it 7yrs from last reported or last payment. Report says will take off in 4/2013 PLEASE HELP ME..

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