Charge-Off Question · DIY Credit Repair Academy

Charge-Off Question

Did you know charge-offs can still be wrecking your utilization — even after you've stopped using the card?

This trips up a lot of people in our community. When a credit card charges off, most people assume it's done affecting their score. But that charged-off balance can still count toward your revolving utilization — meaning it's quietly dragging your score down even if the account is closed.The fix isn't always simple, but understanding it is step one.

Question for the community: Did you know this before joining CreditShield Academy?

And if you had a charge-off resolved, how much did your score move?

🎓 This is exactly the kind of thing most people discover too late. Drop your experience below — this thread might save someone thousands in interest.

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