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Remove car charge off

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Last year I had an accident , car was totaled, pay off from insurance was short $3K. I continued making my monthly payments, but then the bank charged off the $2K or so and it appears as a charge off on my credit. I've tried 2-3 times to call them and pay the full amount for delete, but they've refused (Capital One).

I have no problem paying it off in one shot, but not if the charge off is just going to sit there for 7 years. I am thinking of biting the bullet and paying Lexington to work on clearing that off my credit report.

Any thoughts on Lexington being able to resolve this? In Years past I cleaned up my credit on my own, and have heard not too favorable things on Lexington, but at this point, I am giving up.


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1) when the asset ceased to be an asset, the bank probably had language in the Agreement authorizing them to call the loan immediately due and payable.

2) nothing has changed in the 16 years of your membership at CB to suggest ANYONE with a brain cell would point you to LexLaw to do ANYTHING unless your goal is to further screw things up.

3) You won't ever get a phone drone to engage in a meaningful conversation- you need to send a tailored letter to someone in an executive office specifically outlining your situation and the willingness to pay in full (to include any late fees that have accumulated while this was pending). 

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