Only the original creditor or the credit bureaus can remove a charge off from a credit report. You can negotiate to have them removed with the original creditor if they will let you. You can also dispute it to the credit bureaus and they will have 30 days to verify the listing or it must be removed from your credit report.
You can remove a charge off by disputing it to the credit bureaus. The credit bureaus will have 30 days to verify the listing or it must be removed from your credit report. So use the Fair Credit Reporting Act to ask for verification on the item in writing and wait for the results to see what happens.
Yes.
7 years from the date of first delinquency
Have they been paid off,and how old are they?
You can only remove bills if you pay them or if the bills are listed incorrectly on your credit report. It is best to pay them off and then the bills will not be listed as delinquent.
Filing bankruptcy does not remove a charge off report from a credit card on your credit report. It just adds bankruptcy to your credit report.
No you cannot remove a repossession off your credit report if your cosigner has a judgement on the repossession.
The account will be reported as "settled in full / was charged off"
It will show on your credit report where your bank loan was "Charged Off". This means the bank wrote off the money and gave up on collecting it. However they can sell that debt to a collection agency to try and collect it. It will show on your credit report for 7 years.
you will have to get macy's to remove the charge-off from your report or change it to a good standing remark. because they will show a new account opened on you report along with the charge-off. if they agree to change it get it in writing and report it to the bureaus when they report it. the lender only can remove the charge-off
You can remove a charge off by disputing it to the credit bureaus. The credit bureaus will have 30 days to verify the listing or it must be removed from your credit report. So use the Fair Credit Reporting Act to ask for verification on the item in writing and wait for the results to see what happens.
No they can't.
They are sold to collection agencies and negatively impact your credit report.
Yes.
7 years from the date of first delinquency
Have they been paid off,and how old are they?
What do you mean by "fix" it? Do you want this taken off of your credit report? Was the loan legitimately charged off? Do you still owe a balance on the loan? If you have a legitimate charge off reported on your credit report, it cannot be legally removed. If you owe a balance and the charge off is recent, paying off the balance could help. However, the charge off will still show on your credit report for 7 years, and only time will remove it. Still, if you keep your credit in good shape otherwise, the charge off will hurt you less and less as time goes by. Read more about your credit report and score in the link below.