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A charge-off is an item on the company's income statement that is not collectible and is subsequently written off the balance sheet. A charge-off is an item on the company's income statement that is not collectible and is subsequently written off the balance sheet.
Credit Repair Articles-Charge Offs. A charge-off is a debt that a creditor has essentially written off and deemed uncollectable. In order to understand how to go about disputing charge-offs, we need to dig into some details that will affect the process. First of all, there are two types of charge-offs: paid an unpaid.