Charge-Off Removal
A charge-off is one of the most damaging items on a credit report. We dispute charge-off accounts that are inaccurate, unverifiable, or reported in violation of the FCRA, and pursue removal through every legal channel available.
- Bureau disputes for every charge-off entry
- Verification and method-of-verification challenges
- Pay-for-delete negotiation when appropriate
- Goodwill letters and re-aging detection
What a charge-off actually means
When an account goes 120 to 180 days past due, the original creditor often writes it off internally as a loss. That accounting decision becomes a negative tradeline on your credit report called a charge-off. The debt is still owed, the balance still accrues interest in some cases, and the entry can stay for 7 years from the original delinquency.
How we work to get charge-offs removed
Charge-offs are heavily error-prone because they often change hands between collectors. We dispute incorrect dates, balances, account numbers, and re-aging violations. We also push furnishers to fully verify within 30 days; if they can't, the item must be removed under the FCRA.
Frequently asked questions
What is a charge-off?
A charge-off is when a creditor decides an unpaid account is unlikely to be collected and writes it off as a loss. The debt is still owed, and the negative entry stays on your credit report for up to 7 years.
Can a paid charge-off be removed?
Paying a charge-off does not automatically remove it. We pursue removal through dispute strategies, goodwill requests, and pay-for-delete negotiations where appropriate.
How much does a charge-off lower my credit score?
A single charge-off can lower a strong credit score by 100 to 150 points and severely limit your ability to qualify for credit, housing, and favorable interest rates.
Ready to take the first step?
Book a free, no-pressure consultation. We'll review your situation and tell you exactly what's possible.