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Hey,
My fiance (majik_6) is a debt-collector, and apparantly there are different levels of charging off. If I remember correctly, once it goes into collections, it shows up on your credit, but there are different ways for it to affect your credit.
You did pay it right away, though, so you should be okay, but I'll ask him to post here and give you a better answer than I can.
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~*~* He with a sharp tongue slits his own throat *~*~
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