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If your credit company tires of trying to get you to pay your late payments, they’ll often resort to hiring a third-party debt collector to get the job done for them. Debt collectors will typically be significantly more aggressive than a credit company, and you can expect phone calls, emails and even in-person visits on a very regular basis. Your account could be sent to collections before or after a charge off. Since both of these things can have a devastating effect on your credit score, you’ll want to avoid both of them.
How to avoid: Pay off your most delinquent credit accounts first. If you’ve recently had a charge off on your account, it’s a strong sign that your account will be sent to collections soon. Conversely, if your account was recently sent to collections, it is probably about to be charged off. If either of these things happen, you need to make your payments, as well as any late charges, immediately.
 For more tips on how to help your credit score, call Vitesse Financial toll free at 866.407.9110. Vitesse Financial has over 15 years of spot-free experience and will handle your case with compassion and care.
