Charge-Off Removal

A charge off happens when a creditor gives up trying to collect a debt directly and writes it off as a loss, usually after about 180 days of non payment. It's one of the more serious marks a credit report can carry, and it often gets sold to a collector afterward, which can result in the same debt showing up twice. We review your charge off accounts to see what's accurate, what's outdated, and what's simply wrong.

• Verification of charge off balances, dates, and account details
• Dispute of inaccurate or duplicate charge off entries
• Goodwill requests for paid charge offs with an otherwise strong history
• Monitoring so you know the moment something changes

A charge off doesn't mean the debt disappears, and it doesn't automatically fall off your report just because you paid it. If you've already paid a charge off and otherwise have a solid payment history, a goodwill letter asking the creditor to update or remove the mark is often worth trying. If the charge off itself is inaccurate, such as a wrong balance, wrong date, or an account that was already resolved, that's a dispute, not a goodwill request.

We also check whether a charge off has been sold to a collection agency and is now being reported twice, once by the original creditor and once by the collector. That kind of duplicate reporting is disputable on its own.

Charge offs can legally stay on your report for up to seven years from the date of the original missed payment, whether or not they're ever paid. We won't tell you otherwise. What we can do is make sure every charge off on your report is accurate, properly documented, and, where a goodwill request applies, actually asked for.

Every credit file is different, so our pricing is custom. After a free consultation, we give you a straightforward estimate for charge-off help before anything begins, and payment plans are available. If you want to know what is typical across the industry first, read our guide to how much credit repair costs.

The easiest way to start is a short survey about your biggest concern: start your free consultation, or call (754) 243-3020. Consultations are by video call or phone, in English or Spanish.

• How to Remove a Charge-Off From Your Credit Report
• How Long Do Collections Stay on Your Credit Report?
• How to Remove a Late Payment From Your Credit Report