Re: What is the best way to get a charge off off your credit report?

Posted by Kjeldorian (64.83.213.229) on July 05, 2003 at 12:21:26:

In Reply to: What is the best way to get a charge off off your credit report? posted by Sean on July 01, 2003 at 23:19:58:

Truthfully, as long as the debts are not in dispute there is going to be no way to have them "deleted" from your CBR. The creditors are only able to upload information to CBR's. Removal is only able to be done if the debt is in dispute and PROVEN fruadulent.

The best thing for you to do is pay the amount owed and get a paid if full letter from whomever you paid. Then send a copy of the letter to each credit reporting agency, all 3, to ensure the fastest update to your credit bureau.

The tradeling will still show it was a chargeoff, however it will show paid in full and have a zero balance. It does say to a creditor who is looking at your report that something happened in the past but you did rebound and take care of the amount with that creditor. It will help your fico score going from a chargeoff to a paid chargeoff.

Good Luck

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