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The person involved could obtain a copy of their credit report and check to see what creditor is listed as a charge off. Be advised that not every credit bureau has information on every account that belongs to an individual. The simplest option is to wait until the creditor or collector makes contact, and they most definitely will.

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Q: How can you find out who has a charged off account if they have not contacted you yet and contact them in turn for a settlement?
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