How can i remove charge off/ paid accounts off my credit report?

In personal finance of CreditGuy (January 15, 2009 9:34 am)

credit report repair
Jose C asked:


I paid off all my credit cards that were charged off last year thinking that if i paid them they would be removed from my credit report. Now i need to purchase a home and need to boost up my credit score fast. is there any way i can get those charge off/ paid off my credit report? can a credit repair place help me better if so which is a good one?

Credit Repair
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3 Comments »

  1. Sorry but it stays on your credit files for 7 years. If you want to boost your credit score, get a secured loan for 24 months and pay it back in 12.

    Comment by stan c — January 16, 2009 @ 10:56 pm

  2. Your best solution is to submit a dispute with a credit bureau. The credit card company has 30 days to respond or the item is removed from your credit report.

    Check out these links for more info on filing disputes:

    Experian:

    TransUnion:

    Equifax:

    Comment by ADam — January 19, 2009 @ 12:27 am

  3. Paid charge-offs remain for 7 years from the date of last activity, unless you can get the company that is reporting to the credit bureaus to remove it as part ot a settlement agreement.

    Also, a good resource is…

    All the best to you.

    Comment by Madeline B — January 21, 2009 @ 9:57 pm

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