How Long Does A Charge-Off Stay On Your Credit Report? (& Remove Them Faster)

Find out how long a charge-off stays on your credit report & how it affects your credit. Learn how to dispute negative items (w/ help from Credit Glory), and boost your score.

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A charge-off is visible on your credit report for 7 years. But, (even when it's gone), you may still be affected by collections accounts. Luckily, negative items — like charge-offs — are often reported incorrectly. Dispute them with help from the experts at Credit Glory to wipe them from your report for good (& boost your credit score)!

How long does a charge-off stay on a credit report?

You can expect a charge-off to show on your credit report for around 7 years. The worst part? Charge-offs are often accompanied by collection records and other derogatory marks. The good news? If your charge-off (or any negative item) is based on inaccurate info, a reputable company (like Credit Glory) can help you dispute their claims.

When can you remove a charge-off quicker?

If you want to dispute (& remove) a charge-off quickly, you should check to make sure the reported info is accurate. Common incorrect info includes:

  • Names and addresses
  • The reported balance
  • Multiple records
  • Delinquency dates

If one (or more) items on this list aren't right, you can dispute their claim — and Credit Glory's experience can make it a lot easier!

Why your charge-off records can often be disputed

Even when the record is removed in 7 years — you're still responsible for the debt. Then, to make matters worse, these debts are often bought and sold by multiple collections agencies — causing more derogatory marks on your report as "accounts in collection."

This is not 100% bad news, though. When the debt is bought by a collections company, the info is often lost & reported inaccurately. In fact, the FTC claims that 20% of all reports contain an error! That's where a credit repair expert (like Credit Glory) steps in to help you dispute (& remove) the inaccurate info.

Why you need to dispute an inaccurate charge-off

Disputing and removing an inaccurate charge-off can improve your credit score. This has several effects on your financial health like:

  • Lower interest rates across all lending options
  • Easy approval for loans when a financial emergency occurs
  • The ability to shop around on mortgage, auto, and personal loans

The only real choice you need to make is whether you should dispute the item yourself or trust an expert (like Credit Glory) to make the dispute process a lot easier for you.

Dispute methods: Credit Glory vs. DIY

Disputing negative items starts with identifying inaccurate reporting. Then you can handle all dispute aspects on your own (a big hassle) — or trust an expert like Credit Glory.

Advantages when you partner with Credit Glory for help, include:

  • A tested dispute process - Credit Glory uses a refined dispute process, with success removing negative items.
  • Unmatched 100% Money-Back Guarantee - Qualify for a full refund if Credit Glory can't remove inaccurate negative items in 90-days.
  • Best-in-class customer support - Disputes are generally complicated and involve waiting. Credit Glory beats DIY by a mile providing access to comprehensive customer support.

Erase inaccurate negative items for good w/ help from Credit Glory!

Disputing negative items on your credit report is hard work! It takes a lot of time, effort, organization, and follow up. The good news? Our team of credit repair professionals is here to simplify everything! Let your dedicated credit repair expert relieve you of the stress, hassle, and time needed to fight your inaccuracies and boost your credit score (FAST!)

Credit Glory is a credit repair company that empowers consumers with the opportunity and knowledge to reach their financial dreams in 2021 and beyond.

Call us at (855) 938-3044 or set up a consultation to get started, today!

Get Your Negative Items 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 (833) 958-1271 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.

Why choose Credit Glory?

Competitor 1
Competitor 2
Price
$99/m (+ small, one-time $199 review & setup fee charged once your letters are sent)
$90–$130/m ($130 most popular)
$79/m (+$79 review/setup fee)
Customer Service
Mon - Fri: 9AM - 8PM
Sat & Sun: 9AM - 5PM
5 days/wk (M-F), 7 A.M.–7 P.M.
5 days/wk (M-F) 9AM-5PM
Guarantee
Industry-leading 90-day, 100% money-back guarantee (if we remove no negative items)*
None
Money-back guarantee
Reputation
A+ BBB rating (4/5 stars)
No BBB rating (2/5 Stars)
C- rating w/BBB
*Less the initial setup fee
Accurate as of October 28th, 2020

Start Fixing Your Credit, Today!

Call and start your credit repair process, today! Don't let inaccurate items on your credit report hold you back.