✨Charge Offs✨

The best way to deal with a charge off is to avoid ever having one in the first place. Pay your credit accounts as agreed every month, and eliminate the hassle (and credit hit) altogether.

Even if you do fall behind on your payments, as long as your account has yet to be charged off — so, as long as you aren’t more than 180 days past due — you can still recover your credit score by paying your balance and returning your account to good standing.