Hi Group.... in 2012, I had my car repossessed for lack of payments. Within a few days I made the past payments and got the car back. Within months, I had some additional financial trouble and Capital One basically charged off the account. It is on my credit report as a charge off. Here we are 4 years later and the car is basically dead and I need to get a new (used) car. The car dealership does their banking through a credit agency bank and my credit is on the higher end of the "poor" category. I just paid off 3 collections debts which will make my score go up quite a bit. My question... will that car loan charge off be a deal breaker?
Tue Jun 07, 2016 8:16 am
Can you please explain what you mean by deal breaker
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Joyce Devine Guest
Subject: Fix your credit!
Tue May 29, 2018 10:33 am
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Your personal details (name, email address and phone number) will be delivered to the company advertised on the Creditmagic after ve agreed to go for the counseling session by filling out the no-obligation form. However, it is your discretion to accept or reject their services.
Not all the creditors/debt collectors agree to trim down the outstanding balances, interests, and fees payable by the consumer.
Consumers working with the debt relief companies can still be sued by the creditors/collection agencies.
Debt relief services may have a diminishing effect on the creditworthiness of the consumer. The total outstanding balance may increase as the additional fees get accrued.
The overall amount saved by the consumer through the debt relief services is considered as taxable income by the IRS.