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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.
A charge off seriously impacts your credit score, and the only way to remove one is if it's an error. That's why it's important to dispute them. The easiest (& fastest) way to dispute a charge off is with help from Credit Glory.
Reclaim your financial freedom and speak with a live credit specialist for your free consultation, right now (we're here 24/7)
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