Simple Steps of How to Remove Charge Offs From Your Credit Report
1. Be aggressive in repairing your own credit. Credit repair is not going to just happen. Bad credit is not something you can ignore, hoping that it will work itself out. Things like credit card charge offs, accounts that went to collections, and late payments will stay on your credit report for 7 years. But once bills have been paid off it is much easier to have them removed. The easiest way to remove a charge off is to send the credit bureau a challenge letter, also called a dispute letter. 2. Dispute the items you want removed. The Fair Credit Reporting Act gives you the right to dispute any negative items on your credit report. This means you can challenge repossessions, charge offs, collections accounts, bankruptcies, foreclosures, judgments, tax liens, and anything else you disagree with. The thing to keep in mind is that the law says you are allowed to dispute anything, so go for the charge offs for sure. 3. How to dispute items on your credit report.
