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 Posted: Wed Jan 23, 2008 5:40 pm Subject: how do i get a chargeoff |
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i have a paid chargeoff on my credit for about 3 year and it hurting me can i get it remove
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thirdangels
Joined: 23 Jan 2008
Posts: 1
Debtcc Points: 27
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| Posted: Wed Jan 23, 2008 6:24 pm Subject: |
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You can try, I'd dispute it first as "not mine" with the credit reporting agencies, if they verify it I'd send a DV letter (demand for validation) to whomever the collection agency (CA) is.
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LoneGunman
Joined: 14 Jan 2008
Posts: 226
Debtcc Points: 1629
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| Posted: Wed Jan 23, 2008 9:25 pm Subject: |
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If it is yours and you have the money, you should call who ever is collecting it and make arrangements to pay it. Since it has already hurt your credit, it does not hurt to try to get the creditor or collection agency to take less than the amount owed. If you come to a settlement agreement, get it in writing before you pay.
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lostindebtat50
Joined: 24 Oct 2007
Posts: 82
Debtcc Points: 1955
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| Posted: Mon Jan 28, 2008 2:42 pm Subject: what then? |
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Once you pay a credit agency a settlement, how does that change the "charge off" the original creditor has listed on your credit report?
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lilp2009
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Debtcc Points: 100
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