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Ashley2015

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I am able to pay the debt but I need the to be something that won't affect my credit as negatively.
I have an account in collections labeled as a charge-off. I am able to pay the debt but I would like to have the status changed to something that will not affect my credit score as negatively. Is there anything I can do/request to not have this labeled as settled or charge-off paid?

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Top Contributor
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Do some research on "Pay for Delete Agreements" as that is the only thing that would be helpful to your scores.

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