https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/How-to-solve-this/m-p/1978521#M251491 <P>A charge-off is a statement of their determination that the debt is not going to be paid.&nbsp; It has become "uncollectible."</P><P>&nbsp;</P><P>That is a pretty tough assessment of a consumer.&nbsp; Yes, I would presume that it might affect both their willingness to delete, and their future willingness to extend credit.</P><P>Can you offer extenuating circumstances other than that you simply chose to let the debt reach that stage?</P><P>And, just as important, that whatever the estenuation, it has now been overcome, and is unlikely to occur again.......</P> Wed, 20 Mar 2013 20:10:00 GMT RobertEG 2013-03-20T20:10:00Z https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/How-to-solve-this/m-p/1978131#M251436 I use to have chase , citi , discover and amex<BR />I was charge off since 2008 I am in the repair process my question if I PIF do I have a chance to get card with them again if yes how to approach it?<BR /><BR />Thanks Wed, 20 Mar 2013 17:59:16 GMT https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/How-to-solve-this/m-p/1978131#M251436 from500to700 2013-03-20T17:59:16Z https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/How-to-solve-this/m-p/1978521#M251491 <P>A charge-off is a statement of their determination that the debt is not going to be paid.&nbsp; It has become "uncollectible."</P><P>&nbsp;</P><P>That is a pretty tough assessment of a consumer.&nbsp; Yes, I would presume that it might affect both their willingness to delete, and their future willingness to extend credit.</P><P>Can you offer extenuating circumstances other than that you simply chose to let the debt reach that stage?</P><P>And, just as important, that whatever the estenuation, it has now been overcome, and is unlikely to occur again.......</P> Wed, 20 Mar 2013 20:10:00 GMT https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/How-to-solve-this/m-p/1978521#M251491 RobertEG 2013-03-20T20:10:00Z