Charge Off Paid, remains as "Charge Off" on my cre

Submitted by Anonymous (not verified) on Sun, 08/09/2009 - 14:10
Forums
Credit repair

There are 3 accounts that I have on my credit report that has a status of "Charge off" They were paid in full 5 years ago...is there any way to have those removed from my credit report?

carol

Hi MikieB

Dispute the debts and the credit bureaus will ask the companies to validate the debts and if they can't the wrong information must automatically be removed from your report.

Mon, 08/10/2009 - 06:20 Permalink
fireyone

Mikie, If by chance they do validate then you will see these marks for about another two years. This is the time when they can no longer report a debt (7 years). I imagine you will have some success with disputing them. A lot of these companies do not want to be bothered by a debt that has been paid and may not make the effort to validate.

Mon, 08/10/2009 - 14:30 Permalink