Charge-offs
What a charge-off is, how it impacts your credit, and what you can do about it.
Jun 3, 2026· 3 min read
Medical Collections and Your Credit: 2026 Update
The rules around medical collections changed dramatically in 2022-2023. Here's what's still on your report, what's not, and what you can dispute.
Jun 3, 2026· 2 min read
What Is a Charge-off and How Does It Affect Your Credit?
A charge-off is when a creditor declares your debt unlikely to be paid. It still hurts your credit, you still owe the money, and the 7-year clock starts from the original delinquency.