How To Remove a Charge Off From Your Credit Reports Legally (Remove Charge Offs)

Use this Simple Letter to Settle Your Debt For Less and Avoid Judgments

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[victorianeal]

God bless your grandson!! He sounds so smart to be so young!!

[demicosmith]

This video is the best method I've seen on dealing with charge offs. Correct me if I'm wrong:

If a debt has been "charged off" by a creditor and sold to a "debt collector" it is no longer a charge off because it has been sold. The debt can't be a charge off and a debt collection at the same time. It has to be one or the other. If the credit report is reporting both the charge off and debt collection regarding the same debt account, that is an inaccuracy on the credit report.

[cherniseramos]

I called the original creditor and they told me to call their lawyer thats handling the case. Also said they did not sale the debt but it says Charge OFF on my credit. I am now paying the "lawyer" the debt as I had a judgement on me already.

[latishiarogers]

But what if it’s really old, should we still contact the original creditor?

[ladykeeyah]

What if the the debt collector refuses to provide you with the information?

[Tiffanypinesstewart]

I was able to remove two cars off my credit report. By just disputing it.

[deenastewart]

had a accident gap never paid said they never got the paper i mailed it in and fax it now it's on my credit as a charge off from GM .I Called gap insurance and since it was 90 days the will not pay,

[jle]

I have a $13, 000 from Charge -off four years ago. No 1099 and it’s valid. I don’t want to contact them or they still sue.

[briansmith]

I have a charge off to remove, and a lying debt collector to deal with.

[nataliemilloy]

If I send these letters, they mark it as "paid for less" and choose not to remove it, does it reset the clock on the seven years for it to fall off?

[ksayaphat]

I have a Charged-Off with Discover credit card. They claimed that they didn't sell the debt but it's with their internal collection. So they own the charged-off & the collection?

[bunnyyu]

Can the collector still come after you even though you get it removed ? If they aren’t aware of the removal ?

[ksayaphat]

Will settling a 4-5 yr old Charge-off do more harm then good? I've been struggling with this for awhile. I can settle, but will that restart the 7 yr removal & lowering my scores even more?

[RichSnobEnt]

what if the original holder still has it (AMEX)?

[RanLeeSmalls]

Too much taling and saying nothing, get to they point. You make it boring