How do you remove charge offs from a credit report?
Charge-offs remain on your credit report for 7 years. If the account has been included in a bankruptcy, it should be marked as such...."included in bankruptcy".
However, according to the Fair Credit Reporting Act, if you dispute the charge-off with the credit bureau and the creditor can not verify the account, it must be removed from your credit report immediately.
Only the original creditor or the credit bureaus can remove a charge off, either through negotiations or through the dispute process.