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When it comes to credit reports there are several factors that could break you. Your balance to income and available money ratios, bankruptcies, late payments, and charge offs are just a few. [link widoczny dla zalogowanych] Charge offs are especially bad because they can cause serious damage to your credit score.
Removing a charge off can be tricky. Credit card companies and [link widoczny dla zalogowanych] collections agencies are not always easy to work with. They are rarely understanding about personal matters and so despite your situation you probably won't get the help you need from them without some solid information.
There are only 3 sure-fire ways to have a charge off removed from your account. The first way to have a charge off removed is if it wasn't supposed to be there in the first place. [link widoczny dla zalogowanych] In this situation you would dispute the charge off in order to [link widoczny dla zalogowanych] get rid of it.
If you discover that your charge off is valid you have the option of waiting out the time that the charge off can remain. After 7 years if [link widoczny dla zalogowanych] he charge off has not been removed you can dispute it with the credit bureaus and credit card companies under the Fair Credit Reporting Act.
The third and final way to have a charge off removed is to call your debtor and settle or pay off the debt. This is not as straight forward as it [link widoczny dla zalogowanych] sounds though. There is a bit of haggling involved, although always with a good attitude, because no one wants to help out someone [link widoczny dla zalogowanych] who is desperate or angry.
If you call and say that you'd like to settle your debt under the condition that any charge offs be removed from your account you might get lucky and have it agreed upon. However, you need to make sure they understand that you [link widoczny dla zalogowanych] want the agreement in writing before you will pay anything.
Be certain that you do NOT pay them until they have sent you a letter (by way of mail OR fax) that certifies their willingness to remove these marks from your credit report. As an extra precaution you should pay them with a credit card or check, so that you have proof of payment as well.
Working with collection [link widoczny dla zalogowanych] agencies and credit card companies is incredibly difficult. Because of this it is wise to get some help when [link widoczny dla zalogowanych] you are trying to negotiate [link widoczny dla zalogowanych] with them. Working with professionals in the field of finances and law will help you to accomplish the task more quickly and effectively.
Getting charge offs removed is [link widoczny dla zalogowanych] essential to your overall financial health and wellbeing. Although the debt can seem overwhelming at times and the low credit scores can be discouraging they can be fixed by follow the proper methods and getting the help that you need.
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