Repair Credit Report Help
How can i remove charge off/ paid accounts off my credit report?
I paid off all my credit cards that were charged off last year thinking that if i paid them they would be removed from my credit report. Now i need to purchase a home and need to boost up my credit score fast. is there any way i can get those charge off/ paid off my credit report? can a credit repair place help me better if so which is a good one?
Public Comments
- Sorry but it stays on your credit files for 7 years. If you want to boost your credit score, get a secured loan for 24 months and pay it back in 12.
- Your best solution is to submit a dispute with a credit bureau. The credit card company has 30 days to respond or the item is removed from your credit report. Check out these links for more info on filing disputes: Experian: http://www.experian.com/disputes2/ TransUnion: http://www.transunion.com/corporate/personal/creditDisputes.page Equifax: http://www.equifax.com/answers/correct-credit-report-errors/en_cp
- Paid charge-offs remain for 7 years from the date of last activity, unless you can get the company that is reporting to the credit bureaus to remove it as part ot a settlement agreement. Also, a good resource is... http://debt.123thebest.info/credit_card.html All the best to you.
