Send a letter to the debt collector saying this: "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 collector continually responds that everything is valid and accurate. It can be much easier to work with a professional to remove your charge offs. Many companies spend years learning how to consistently dispute charged off debt.
Unfortunately, making effective disputes to remove charge offs can be hard. 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 (866-271-3550) or setup a consultation with them. They also happen to have incredible customer service.