Collections vs. Charge-Offs — know the difference, protect your credit. A collection happens when a debt is handed to a third party to recover payment. A charge-off means the lender has written the debt off as a loss, but you’re still legally responsible for it. Both hurt your credit, but handling them the right way can save you thousands and boost your score faster than you think. Don’t guess, get a strategy. Your credit deserves better. Need help handling either or text “HELP” to 312-593-4008
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