topic Re: Rebuilding and removing charge offs in Rebuilding Your Credit

Rebuilding and removing charge offs

Anonymous — Thu, 09 Dec 2021 18:52:23 GMT

I am in year 5 of rebuilding. I have 6 Charge offs still on my report that will fall off mid-2023. I have disputed them in the past but they get reaffirmed by the credit reporting agancies. Is there any tricks or suggestions to get them removed?

Re: Rebuilding and removing charge offs

MileHigh96 — Thu, 09 Dec 2021 19:01:13 GMT

If they are valid as listed on your report, unless you contact the creditor to see if they do PFD, you will just have to wait it out. You can't legally remove valid information from your CR.

Re: Rebuilding and removing charge offs

RSX — Thu, 09 Dec 2021 20:02:55 GMT

don't dispute valid accts/chargeoffs anymore

are they all paid to $0 ?

if yes, that is the best you can do, and then wait until they drop in 2023

if they arent zero balance, work out payments or payoffs around 40-50% and get them to $0, which will help your score

Re: Rebuilding and removing charge offs

FireMedic1 — Thu, 09 Dec 2021 21:32:49 GMT

Stop disputing them because they come back as updated and fresh and you get a score hit. Try GW letters is all you can do.

Re: Rebuilding and removing charge offs

OmarGB9 — Fri, 10 Dec 2021 14:08:09 GMT

Agree with all of the above. There are no "tricks" to get accurate charge offs removed. If you see/hear of tricks on the internet, they're lies. And disputing them over and over won't work either. Best you can do is pay them in full or settle for less and then just allow them to age. You could try writing Goodwill (GW) letters as well, but that's still highly unlikely to help.