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When an account becomes seriously past due, the creditor may decide to turn the account over to an internal collection department or to sell the debt to a collection agency. Once an account is sold to a collection agency, the collection account can then be reported as a separate account on your credit report.
When a creditor believes that a debt is unlikely to be collected, they can write off this debt as a loss. This type of debt is known as a charge-off. Like a collections account, this usually occurs after an account has a significant delinquency.
Late payments are payments that are at least 30 days behind their scheduled due date. They are reported to the credit bureaus and added to your credit report as 30, 60, 90, 120, 150 days late. Recent late payments can have a high impact on your credit score.
Student loan delinquencies can have a major impact on your credit score. Also, if student loans are not consolidated into one account, being late 30 days can result in multiple late payments added to your credit report at once.
A repossession typically occurs when there is a serious delinquency related to an auto loan. The lien holder will either voluntarily or involuntarily take back the vehicle and report this negatively to the credit bureaus.
When a creditor believes that a debt is unlikely to be collected, they can write off this debt as a loss. This type of debt is known as a charge-off. Like a collections account, this usually occurs after an account has a significant delinquency.
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