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Oridinarily a CO will be assigned or sold to a CA but I can't be exactly sure what FP does. I can say this though, if it does get sent off to a CA and it reports it should no longer be calculated in util percentages.
creditgirl wrote:
no, the charge off has not been sent to a collection agency. it is with first premier, do they send to ca or just leave it on cr like cap 1 so it kills your util and score?