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Hi,
I was wondering if it is leagl for a ceditor to close an account as a charge off, that was in good standing since 2005 with no late pays?
Thanks,
Atikus
I think so.
I believe that any body who is lending credit has the write to cancle for any reason at anytime... although they usually don't? Perhapse call them and ask why?
I don't see how the account could be charged-off if it was never late and there's no balance. I'd recommend a direct dispute with the lender or disputing with all CRAs.