Natalie Campisi is a senior journalist who covers personal finance, balancing timely news with in-depth enterprise reporting. Her mission is to make complex financial issues clear and accessible for ...

FREE Collections Removal Letter Pack: Credit Rehab Pro (DIY Credit Repair Software): Want to remove collections from your ...

Sean Messier is a personal finance writer with a focus on credit. He’s written for Credit Card Insider, plus several other national and global brands. kupicoo / Getty Images Building your credit is ...

A charge-off is a debt that has gone unpaid for a sufficient amount of time and is deemed uncollectible by the creditor. Charge-offs do not erase your debt, and you are still responsible for paying it ...