@Anonymous wrote:
Hi. My credit score from the 3 credit bureaus of Experian, Equifax, and Transunion is very low right now. It is in the low 500s. This is mostly because I have 2 charge offs from First Premier Bank and Merrick Bank from about November 2015. It has been almost 5 years already. It is supposed to come off about 2 more years from now around November 2022. I have tried to get it off and removed from the 3 credit bureaus reports. I have not been able to do so. Does anyone know what I should do next? Does anyone have the contact information for the owner or chief executive officer at First Premier Bank and Merrick Bank for me to contact to try to resolve this to get it off my 3 credit reports? Should I just forget about this and wait the 2 more years or so? How do I bring my credit score back up over 700 even with these 2 charge offs? Thanks!
you will not get COs removed whether paid or not. Disputing them causes a fresh update if they have not in a while when they come back verified, causing your scores to take a hit. So, unless there is something seriously wrong with the reporting of the COs, avoid disputing 100%.
They need to be paid if they have not been already and that may help your scores.
If they are paid, I would say there are other issues with your CRs and to oull all 3 reports from annual credit report for free (no scores) to see if there are other derogs you may have missed.
Or you may have high util on your open accounts also causing lower scores. You have not given us enough info to really know what is supressing your scores.
Good luck!
