Repair Credit Report Help

i have really bad credit!!!! lots of charge offs how do i get rid of charge offs???

i have a really bad creidt score due to charge offs and deliquiency on my credit cards . i want a better creidt score and i want to repair my credit report what can i do to get rid of these charge offs???? and if i cant get rid of them what do i do ?? someone told me if i wait 7yrs. it'll go away, is it even worth the wait>???? someone help did you have a similar situation???

Public Comments

1. Stop trying to "fix" your credit so you can go back into debt! It isn't like borrowing has done you any darn good up to this point. We have not borrowed since 2002. We pay cash for EVERYTHING (even cars). Sound impossible? It isn't. We have a working budget, money for emergencies & big purchases & we have paid off the vast majority of our debts. We will even have our house paid for in just a few years. We follow Dave Ramsey's "Total Money Makeover". Please get a copy from his website, a bookstore or library before you go off thinking that "repairing" your credit is going to improve your finances. I, personally, look forward to the day I'm 100% debt-free & have a zero credit rating b/c I have NO CREDIT (not even a house note) to rate!
2. You are soooo not alone!!! For you to try to get them removed may take a long time. My suggestion is contact a professional...such as credit restoration company. http://www.creditrestoreteam.com/
3. well my husband is a national credit consultant, and what his company does is that they specialize in removing charge offs and delinquencies etc. what they do is they dispute things that are on your credit report legally under the fira if you email me then i can give you his email address and he can send you some info about the company. they have helped some ppl we know and raised there credit score.
4. Bad credit is one of the worst problems to have... however there exists a solution. I will hereby talk from my personal experience. I did debt consolidation a couple of years ago, however If I had to do it again I would pay to some minor details, if someone wants to get out of debt today it is pretty easy with a debt consolidation plan, however it may get a bit tricky at times, I suggest you get as much information as possible online on this first, a good place to start in my humble opinion is astraight to the point ebook with question and answer I found : http://umgarticles.atspace.com/debt-consolidation.htm if it helps kindly remember me in your voting!.. cheers!