Charge Offs

Submitted by KSGIRL23 on Sat, 01/08/2011 - 06:14
Forums

how do I get charge offs that has been paid off taken off my credit score?

do you have all your credit reports?
what state are you in?
what is the original creditor and the name of the CA?
what is the date of first delinquency? 30 days after last payment

this information will help me make suggestions specific to your case. The state will determine the statue of limitations for this

debt. knowing the name of the OC original creditor, will help show if there is a specific govt regulators can intervene. Knowing

the dates that (the last payment was made and the date the Ca contacted you) are very important.

I think that the best way to repair your credit is to do it yourself. You are the only one that really cares about your credit

report. This process takes a lot of patience and perseverance. Different techniques work for different people and cases. When you

do it yourself the process is de-mystified and I believe you will less likely to get yourself back into credit problems. There is

no easy way out of credit problems and if you could afford to pay someone to do all the work involved then how did you get into

money trouble in the first place?

Sat, 01/08/2011 - 14:12 Permalink

the statute of limitations in Kansas is 3 years so you need to be specific about each bill. when was the last activity (30 days after last payment or 30 days after service if never paid)

Sat, 01/08/2011 - 18:43 Permalink