charge off question ...

iVillage Member
Registered: 04-18-2003
charge off question ...
2
Fri, 11-07-2008 - 10:27pm

Once accounts show as a charge off, how can you get that removed from your credit report -- is there any way possible?

Sheri Ann

iVillage Member
Registered: 11-17-2007
Sat, 11-08-2008 - 3:18am

charge off shows up as a 9 and that is not good. It will stay on your report for at least 8 years from the charge off date. Someone told me that has been chanced to 5 years but I think that 8 is still right. Nothing you can do to get it off except to out live it.


Mary Ann


Charge offs are very bad on your report.


iVillage Member
Registered: 03-17-2003
Sat, 11-08-2008 - 10:07am

The charge off will appear on your credit report for a full 7 years from the date of charge off.


In theory you can "pay for delete" but I have never seen this happen.