https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Rebuilding-my-credit-please-help/m-p/6708629#M670030 <P class="lia-indent-padding-left-30px">Okay so I'm going to lay it all out so I can get some advice on how I should move forward! I am 27. Got my first. Credit cards at 18.. was approved a car off of the Toyota lot 7 months later with no co-signer... Being young and dumb, I maxed out all of my cards and had to go through a rebuild process in 2018. At that time, I studied these forums, had late payments and collections removed and was given a 15k AMEX card at 22!! I was making a lot of money at the time and again, was spending stupidly. From then on, things only went down hill. Long story short my AMEX was charged off and still reports every month as a charge off. I need help getting this off my credit because it has shot it down so much!!! Please help.. I tried to call and settle but they said it still wouldn't be removed. Since it's still reporting monthly/ does that mean the time is continuing restarting as far as the fall off after 7? Please help.&nbsp;</P> Tue, 12 Sep 2023 15:48:06 GMT Keirsten23 2023-09-12T15:48:06Z https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Rebuilding-my-credit-please-help/m-p/6708629#M670030 <P class="lia-indent-padding-left-30px">Okay so I'm going to lay it all out so I can get some advice on how I should move forward! I am 27. Got my first. Credit cards at 18.. was approved a car off of the Toyota lot 7 months later with no co-signer... Being young and dumb, I maxed out all of my cards and had to go through a rebuild process in 2018. At that time, I studied these forums, had late payments and collections removed and was given a 15k AMEX card at 22!! I was making a lot of money at the time and again, was spending stupidly. From then on, things only went down hill. Long story short my AMEX was charged off and still reports every month as a charge off. I need help getting this off my credit because it has shot it down so much!!! Please help.. I tried to call and settle but they said it still wouldn't be removed. Since it's still reporting monthly/ does that mean the time is continuing restarting as far as the fall off after 7? Please help.&nbsp;</P> Tue, 12 Sep 2023 15:48:06 GMT https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Rebuilding-my-credit-please-help/m-p/6708629#M670030 Keirsten23 2023-09-12T15:48:06Z https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Rebuilding-my-credit-please-help/m-p/6708637#M670031 <P>The charge off will continue to suppress your score due to the monthly update. However, the charge off will fall off seven years from its original charge off date. Settling or paying off the charge off would stop the monthly updates.</P> Tue, 12 Sep 2023 16:33:40 GMT https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Rebuilding-my-credit-please-help/m-p/6708637#M670031 sznthescore 2023-09-12T16:33:40Z https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Rebuilding-my-credit-please-help/m-p/6708640#M670032 Even if they won't remove the charge off, paying it will stop the monthly update. Once paid you may have better chance of getting them to remove it early. Tue, 12 Sep 2023 17:05:17 GMT https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Rebuilding-my-credit-please-help/m-p/6708640#M670032 Priory_Man 2023-09-12T17:05:17Z https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Rebuilding-my-credit-please-help/m-p/6708695#M670041 <P>AMEX has not sent you an offer for settlement?</P><P>7 years rentention counts from the DOFD that led to its CO. Your report shows show the DOFD.</P><P>If the debt is still within the SOL, I would not dispute it as it may have unintended consequences.</P> Tue, 12 Sep 2023 21:30:26 GMT https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Rebuilding-my-credit-please-help/m-p/6708695#M670041 OCONUS 2023-09-12T21:30:26Z https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Rebuilding-my-credit-please-help/m-p/6712961#M670294 <P class="lia-align-center">I've been trying to goodwill Amex for a 2017 charge off and they WILL NOT budge. I was able to settle them after it went to collections. But they will not get rid of the charge off. They are a tough one.&nbsp;</P> Tue, 03 Oct 2023 02:21:37 GMT https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Rebuilding-my-credit-please-help/m-p/6712961#M670294 Ottley 2023-10-03T02:21:37Z