Can I deal with original creditor after a charge off?

Written on December 3, 2008 – 8:59 pm | by Ryan |

Reader’s Question

Hello Ryan -
I had an account with Citi that went to collections after a charge off, can I bypass the collection agency and call Citi directly?

Thanks!
[name removed]

Response

Hi [name removed]

Yes, in most cases you can do this. As a matter of fact, I recommend always calling the original creditor first –that way you don’t have to deal with scum bag collection agencies.

-Ryan

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Ryan

The Better Credit Blog started back in 2007 when I began blogging about the mistakes I made during my credit repair journey in hopes that others could avoid these mistakes. More



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