More importantly might be to consider what your argument would be? Charged off debts are still valid debts, they are still obligations you did not pay. The charging or writing off of a debt is only a required accounting entry by the creditor.
It does not effect you, or change the amount you owe, or that you owe it.
It does not change any of the legal methods to force collection that were available before making the entry.
All it does is make the creditors accounting statement recognize that an asset (your receivable) that it expected to realize, and already recorded as income, is not going to happen. they are taking the charge to their books for the expense of your not paying, or that it is now considered unlikely you will ay, and the asset does not exist (or in bank terms, is no longer productive). When the charge off occurs depends on many things in accounting parlance...most companies actually establish an account for expected bad debts (an accrual) as a current charge against sales, (expecting some to go bad), and adjust that account on experience...without having to do much on any particular account.
Credit reporting agencies are agencies who are dealing with credits.If you want to investigate somebody with regards to her or his previous credit performance, then credit reporting agencies are the place for you to approach.
In the United Kingdom, credit reporting agencies are known as credit reference agencies. The three major agencies in the UK are Experian, Equifax, and Callcredit.
send letter to the credit reporting agencies . they will have to send letter to the creditors who will have 30 days to respond. if they dont the debt has to be removed from your credit record.
there is no difference, it is the same. They were called Credit reaporting agencies several years ago, then the terms was changed to consumer reporting agencies as they are not used for more than just Credit Reporting.
you can call your credit reporting agencies, you can also compare your three credit report from your credit reporting agencies this ezcreditrepairsolutions(dot)com(slash)credit(dash)report(dash)score(slash) from different credit reporting agencies, They provide a lot of great information for improving your credit score, and it worked well for me.
There is no largely recognized agency that acts as an international credit bureau. The laws surrounding credit reporting are complex and would be very difficult to apply and enforce internationally.
Credit reporting agencies keep files of information on all consumers who have made credit transactions at some point in their lives. Credit granting institutions may purchase these files
It is generally more effective to challenge inaccurate credit information with the credit reporting agency first. The agency is responsible for investigating and correcting inaccuracies on your credit report. However, you may also need to contact individual creditors if they are reporting inaccurate information to the credit agency.
Credit reporting agencies report your credit activities, such as paying bills on time, taking out a loan, etc. They keep track of this and make it available to anyone who requests it.
The three most common credit reporting agencies are Experian, TransUnion, and Equifax. A person can request a copy of their credit report from these companies for free once a year.
equifax
The three major credit reporting agencies in the US are Equifax, Experian, and Transunion. Most credit information will be reported to all three agencies. However, sometimes information will be found on only one report.