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
pikabear20

1 Contribution
0 People Helped
How to get "charged off" off your credit? I already paid it years ago and it still is on there.
I paid the amount off years ago (was apartment repair charges), and now I cannot get any credit cards because of it. I have no credit and I can't build credit because of it. Help!?!

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

View your scores and reports anytime.

SIGN UP NOW
All Responses

Results 1-3 of 3Results per page: 5 | 10 | 25Page 1 of 1   Previous | Next
1 Contribution
0 People Helped

*Another note* I called a credit report business about it and they told me that by the time I can legally get it off my account (will take years), I might as well just wait for it just cycle out. How long does that take? And why would it take years to get it off when it clearly shows I paid it. 

4 Contributions
471 People Helped

charge off

It takes 7 to 7 1/2 years & it will drop off automatically. Sxxks, but that is credit system.

Top Contributor
5038 Contributions
1136 People Helped

I am not sure why "apartment repair charges" would be marked as a charge off, that doesn't make any sense. Negative information will remain on your credit reports for 7 years from the time of the negative action. You can get credit cards with negative information on your reports, depending on how much of it there is. Check with Capital One or subprime lenders. You can also try to get a secured credit card. Do some research on "goodwill letters" and learn how to ask for removal of paid negatives.

Results 1-3 of 3Results 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.