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2. How to write a letter of explanation for a mortgage - AOL

   www.aol.com/finance/write-letter-explanation...

   Issues on your credit report: Perhaps you were delinquent on past debt payments. Your letter of explanation accounts for your tardiness or other issues. ... Sample letter of explanation.

3. Charge-off - Wikipedia

   en.wikipedia.org/wiki/Charge-off

   A charge-off or chargeoff is a declaration by a creditor (usually a credit card account) that an amount of debt is unlikely to be collected. This occurs when a consumer becomes severely delinquent on a debt. Traditionally, creditors make this declaration at the point of six months without payment. A charge-off is a form of write-off.

4. 8 steps to remove old debt from your credit report

   www.aol.com/finance/8-steps-remove-old-debt...

   Chapter 7 bankruptcies will stay on your credit report for 10 years, while unpaid or delinquent accounts will stay only seven. In many cases, you cannot remove debt from your credit report until ...

5. How to Read a Credit Report to Find the Red Flags - AOL

   www.aol.com/read-credit-report-red-flags...

   The credit report, which leads to a credit score, is what dictates the amount of money you can borrow and at what interest rate. This affects your large purchases — house, car, boat, etc.

6. AOL Mail

   mail.aol.com

   Get AOL Mail for FREE! Manage your email like never before with travel, photo & document views. Personalize your inbox with themes & tabs. You've Got Mail!

7. Debt buyer (United States) - Wikipedia

   en.wikipedia.org/wiki/Debt_buyer_(United_States)

   The debt collection industry which includes debt buyers, "in-house collection departments, third-party collection agencies, and collection attorneys", recover and return "billions of dollars in delinquent debt" to "card issuers and other creditors" annually which "increase[s] the availability of consumer credit and reduce[s] its cost". [2]