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I have some old accounts ( Charge off) that DLA is 3 years or more....how much is this affecting my score now? I have no way of figuring it out.
charge offs really affect you for 7 years, but lessen over time.
What does this mean?
It means they agree with the above poster.
Do you know what the DoFD of those accounts are? The DoLA really has no relevance.
Yes there are 3 total...
If the DoFD is 2009, it isn't hurting as much. The 2 from 2010 are heavily impacting your score.
Wonder if I should try a PFD?
Are these from the OC or a CA? Are the CC debt?