0
How can you get credit card charge off removed if you are just a user and the credit card company refuses to help you?
Wiki User
∙ 8y ago
Write a letter of dispute to the credit bureaus (Equifax, Experian and TransUnion). Be sure to clearly state that you never signed a contract/agreement accepting liability and that you do not meet the definition of "debtor" under the Fair Credit Reporting Act. It would be a good idea to post excerpts from that law to back up your point. You may have to sue to enforce your rights.
The primary card holder, who IS liable for this debt, can also take action with the CC company. They can request that your name be removed from the account.
Wiki User
∙ 8y ago
Add your answer:
Earn +20 pts
When is a charge off removed?
A charge off will stay on your credit report for 7 years unless removed by the original creditor or the credit bureaus. You can dispute a charge off with the credit bureaus and they must verify it with the original creditor with in 30 days or it must be removed from your credit report.
Can you remove charge offs from your credit report?
Yes, it's possible to have them removed if you dispute them.
How many years does it take for a charge-off to be removed from your credit file in California?
generally 7 yrs. You may get it removed sooner if you try disputing it w/ the credit bureau.
How many points does a charge off take from your credit score?
first it depends what kind of charge off it is. and your credit score is all up to which credit company your checking your credit on .. there is no real answer to that question.
How many days do you have to notify the credit card company of a fraudulent charge?
45
When is a charge off removed?
A charge off will stay on your credit report for 7 years unless removed by the original creditor or the credit bureaus. You can dispute a charge off with the credit bureaus and they must verify it with the original creditor with in 30 days or it must be removed from your credit report.
How do you remove a false charge off date from your credit report if the date was reset from the original?
You can have a credit dispute, if the agency reporting the bad judgment does not get back with the company disputing the judgment within 30 days, it HAS to be removed from your credit report. Example: I filed bankruptcy(?) on a auto repo. and the company did not take it off my credit report, I had my credit card company do a credit dispute, they did not respond within 30 days, and it was removed from my credit report.
Can a company charge your credit card without your permission?
No, a company can not charge a credit card without permission. This violation should be reported immediately to your credit card company.
How can I stop the charge when I can't recognize that charge in my credit card account?
Contact your bank or credit card company.
What is a Charge-off in a credit report?
A charged off account is similar to a collection on your credit report. The creditor has written off the debt owed and closed the account. The debt is still valid though and can be collected on. The charge off will lower your credit score unless removed. You can dispute a charge off and this give the credit bureaus 30 days to verify the charge off or it must be removed from your credit report.
How do charge offs affect your credit?
Charge offs will drastically lower your credit score, just like any negative item similar to collections, judgments, and liens. They will stay on your credit report for 7 years unless removed. The more money owed and the more recent the charge off the more it will lower your credit score. You can remove charge offs by disputing them to the credit bureaus. The credit bureaus have 30 days to verify the charge off or it must be removed from your credit report.
When would your credit card company charge you an over limit fee?
When you charge more than your current credit limit
What is a type of fee that a credit card company might charge?
credit limit fee
Can a company charge fees to credit card without permission?
No...you need to call your credit card company and file a complaint.
If a credit card company refuses to give you information to help clear your credit report do they have to remove it from your report?
Read the Fair Credit Billing Act. Also your user agreement.
Can you remove charge offs from your credit report?
Yes, it's possible to have them removed if you dispute them.
How many years does it take for a charge-off to be removed from your credit file in California?
generally 7 yrs. You may get it removed sooner if you try disputing it w/ the credit bureau.
