Charge Off On Credit Report After 7 Years

Why charge offs are still reporting after 7 years

charge off on credit report after 7 years

Charge offs on credit reports come off after seven (7) years according to the Fair Credit Reporting Act (unless removed). In practice, this doesn't always happen. The good news is you can send a short dispute letter requesting the deletion due to the seven year period.

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In some cases, we recommend speaking with a Credit Repair professional to analyze your credit report. It's so much less stress, hassle, and time to let professionals identify the reasons for your score drop.

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