You could get a charge off removed from your report by sending a dispute that says: "I am requesting you to provide me with a validation of the debt that you spoke of earlier. This is not a refusal to pay, simply my notice that your claim is in dispute and that validation is demanded. (15 USC 1692g Sec. 809 (b))."
It's that simple. Easy, huh?
The hard part comes when the creditor(s) continually respond that everything is valid and accurate. It can be much easier to use an expert to remove your charge off(s). Many companies spend years learning how to consistently dispute charged off debt.
Unfortunately, making effective disputes to remove charge offs is not easy. There are hundreds of ways to word them. You’ll need to spend time studying the FCRA and FDCPA to learn to properly form a dispute.
Get Your Charge Offs Professionally Removed
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.
If you're looking for a reputable company to increase your credit score, we recommend Credit Glory. Call them on (800-807-4388) or setup a consultation with them. They also happen to have incredible customer service.
Credit Glory is a credit repair company that helps everyday Americans remove inaccurate, incomplete, unverifiable, unauthorized, or fraudulent negative items from their credit report. Their primary goal is empowering consumers with the opportunity and knowledge to reach their financial dreams in 2020 and beyond.