A charge off should be removed from thewhen the required seven years has expired. Credit bureaus are sometimes lax in their reporting, therefore the consumer should keep track of entries and if necessary contact the CRA, present the needed documentation and request any invalid information be removed.
It is best to first clean up your credit reports after the bankrutpcy before applying for new credit. Wait at least 3 months after discharge to start cleaning up any inaccuracies on your reports. You can apply for credit the day after your discharge, but your success rate will not be very good and the interest rate you pay will be very high.
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