How do I get a charge off removed from my credit report?

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asked Jun 16, 2018 in Credit by Aloonatic (380 points)
How do I get a charge off removed from my credit report?

1 Answer

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answered Jun 16, 2018 by Judy (40,300 points)
To have a charge off removed from your credit report you start by contacting the original creditor who charged off the account and negotiate payment terms or a payoff through them and then pay off the charged off account.

The creditor will then decide if they will want to remove the charge off from your credit report and report the debt paid in full.
If they don't want to remove the charge off then the charge off will go away within 7 years but you may be able to get the charge off removed from your credit report sooner by contacting and paying for a credit repair agency to help repair your credit.

A credit repair agency costs from $100.00 per month but can be helpful to repair and rebuild your credit.

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