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  1. justzee22
    I have an account that was a secure loan, that I neglected to pay because I figured it would not hurt me in the long, needless to say its the long run and its hurting me. The account is now 7+ years old and is in a charge-off status only reporting to Experian. Should I pay it and work something out with the original creditor who still has the account of try to get the CRA to remove it since its 7 years old?

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