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What does charged off as bad debt mean?

Summary by KEYT
AnnaStills // Shutterstock   When it comes to personal finance, there’s a lot to learn. Credit is an important—and sometimes confusing—topic. For example, you might know what a credit report is and why you have one. But you might not understand what it means when one of your accounts is marked charged-off as bad debt. If you’ve seen that phrase on your credit report, Achieve shares how to make sense of it. Key takeaways: Charged off as bad debt…

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Santa New MexicanSanta New Mexican
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What does charged off as bad debt mean?

Achieve reports that "charged-off as bad debt" means creditors consider an unpaid debt uncollectible, impacting credit scores and potential collections.

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Santa New Mexican broke the news in on Wednesday, February 18, 2026.
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