Credit Advice

Have a question? Have advice to share? The combined knowledge and experience of everyone in the Credit Karma community can help you. Enter your question or help others below to get started!

Question

Posted in Credit Scores
Profile Image

Question By
djmooney84

1 Contribution
0 People Helped
How do i get a charge off , off my report?
I was young and stupid and did not realize just how important credit was. I am ready to get back on track and get my credit score back up. I have several charge offs that say 0$ balance due to it being longer than 7 years. Is there any way for me to have these removed? If so how and i had heard that after 7 years it should fall off. it's been more than 7 years and they are still there.

Your Credit Scores Should Be Free. And Now They Are.

View your scores and reports anytime.

SIGN UP NOW
All Responses

Result 1-1 of 1Results per page: 5 | 10 | 25Page 1 of 1   Previous | Next
Top Contributor
785 Contributions
300 People Helped
Most Helpful Response

Helpful to 1 out of 1 people

Chargeoffs can stay on your record for 7 years plus 180 days from when the first delinquency occurred. I would recommend going on the various credit reporting sites and disputing the accounts. Transunion, Equifax and Experian. Many creditors stop reporting so the accounts sit on your record unles you dispute them.  It may or may not work, but I don't know the details of your loans. I would also like to congratulate you on realizing the importance of a good credit rating. Mant prospective employers may check your credit report, and the interest rates you pay for loans makes a big difference on your rating. 

Reply by
djmooney84

1 Contribution
0 People Helped

Thanks for the response. Greatly appreciated. 

Result 1-1 of 1Results per page: 5 | 10 | 25Page 1 of 1   Previous | Next

Your Credit Scores Should Be Free. And Now They Are.

View your scores and reports anytime.

SIGN UP NOW

Reply to this Question

Write your response:
Enter Your Comments

The Credit Advice pages of the Site may contain messages submitted by users over whom Credit Karma has no control. Credit Karma cannot guarantee the accuracy, integrity or quality of any such messages. Some users may post messages that are misleading, untrue or offensive. You must bear all risk associated with your use of the Credit Advice pages and should not rely on messages in making (or refraining from making) any specific financial or other decisions.