https://ficoforums.myfico.com/t5/General-Credit-Topics/charge-off/m-p/29945#M21949 <DIV>I have 2 paid charge off accts&nbsp;that will be 7 years old soon any idea how that will affect my score?&nbsp; Currently equifax is 650 and transunion is 685.&nbsp;</DIV> Mon, 09 Jul 2007 03:17:48 GMT dd1980 2007-07-09T03:17:48Z https://ficoforums.myfico.com/t5/General-Credit-Topics/charge-off/m-p/29945#M21949 <DIV>I have 2 paid charge off accts&nbsp;that will be 7 years old soon any idea how that will affect my score?&nbsp; Currently equifax is 650 and transunion is 685.&nbsp;</DIV> Mon, 09 Jul 2007 03:17:48 GMT https://ficoforums.myfico.com/t5/General-Credit-Topics/charge-off/m-p/29945#M21949 dd1980 2007-07-09T03:17:48Z https://ficoforums.myfico.com/t5/General-Credit-Topics/charge-off/m-p/29947#M21951 <DIV>i had one removed and it increased my score by like 41 points</DIV> Mon, 09 Jul 2007 03:19:10 GMT https://ficoforums.myfico.com/t5/General-Credit-Topics/charge-off/m-p/29947#M21951 Anonymous 2007-07-09T03:19:10Z https://ficoforums.myfico.com/t5/General-Credit-Topics/charge-off/m-p/29952#M21956 <DIV>I hope to have the same results.&nbsp; They should fall off in 3 months.&nbsp; I also a AFNI collection acct that is not mine.&nbsp; I sent a debt validation letter that was rec'd by them 31 days ago and they have yet to respond.&nbsp; I have the certified mail receipt what should I do now?</DIV> Mon, 09 Jul 2007 03:28:29 GMT https://ficoforums.myfico.com/t5/General-Credit-Topics/charge-off/m-p/29952#M21956 dd1980 2007-07-09T03:28:29Z