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First of all, charge offs cannot remain on your credit report for longer than 7 years so most credit bureaus remove them after 6 years 9 months to ensure proper compliance with the law.
Secondly, it's possible that those charge offs are not yours and/or that the companies in charge of the charge offs have lost the records so it is possible, although unlkely, that you can get the charge offs removed by disputing them with the credit agency. Another possibility is that one company shows the charge off and the collection agency shows an open collection. You should be able to get one of those two eliminated as they are duplicates.
Finally, it is possible to contact the companies that have made the charge offs and negotiate with them to remove the charge offs in exchange for paying part or all of the charged off amount. Some companies may gladly do this whereas others will not even consider it. You could initiate conversations with the debt holder by writing a letter to the address on your credit report basically offering to pay a portion of the debt in exchange for complete deletion of the negative credit entry.
In conclusion, it's better to avoid charge offs and negative credit by paying your bills on time than to try to clean up your credit report afterwards.
What else can I help you with?
Can creditors remove their accounts from your credit report?
no, it should stay on your credit report for life.
How do you remove charge offs credit report?
Dispute them with the credit bureaus.
What can you do if you are prepared to pay all your chargeoffs in full but the agencies aren't willing to delete the record from your credit report?
Most companies will not delete accounts that have been paid, nor do they have to under the law. The Fair Credit Reporting Act allows them to report the accounts as paid charge offs, or as charge off/collection with a zero balance and to report the date that the account was paid in full or settled.
How do you remove charged off from your report?
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.
How can you remove delinquent utility bills from your credit report?
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.
Will allowing your car to be repossessed when you already have 2 credit card chargeoffs on your credit report have any worse effects?
YES! It will lower your FICO score a lot!!
Can a collection agency remove debt from my credit report?
No, a collection agency cannot remove debt from your credit report. Only the credit bureaus or the original creditor can remove the debt from your credit report.
Can collection agencies remove items from your credit report?
No, collection agencies cannot remove items from your credit report. Only the credit bureaus or the original creditor can remove negative items from your credit report.
If you file bankruptcy will that remove a charge off report from a credit card?
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.
Does a bankruptcy remove the crediters from your credit report?
No, the information remains on your credit report.
Can a debt collector remove negative information from my credit report?
No, a debt collector cannot remove negative information from your credit report. Only the credit reporting agencies or the original creditor can remove or update information on your credit report.
Can creditors remove their accounts from your credit report?
no, it should stay on your credit report for life.
How do you remove lien from credit report?
How can I get a lien removed from my credit report what is the statute of limitation law?
Can debt collectors remove items from my credit report?
Debt collectors cannot remove items from your credit report. Only the credit bureaus or the original creditor can do so.
Does bankruptcy remove a repossession from your credit report?
No.
How do you remove charge offs credit report?
Dispute them with the credit bureaus.
How do you remove my name from credit card from credit report?
To do that you have use whiteout
