Diversion Charge
Wednesday, July 20th, 2011
Remove Credit Report Charge Offs Better Than Credit Repair
A charge off is a collection account that has been sold to other companies. They can be difficult to remove if you don’t know these helpful tips to erase them from your credit reports:
The first tip begins with a general rule when dealing with negative accounts on your credit reports. Any accounts that are two years or older can be removed right away. The biggest reason for the removal of these negative accounts is that all the rules were not followed when the creditor put them on your credit reports.
The second tip to note is your negative accounts become sold and re-sold several times in those two years, and it can be difficult to track that information back to you. Many companies even purge their records every so often, and your information will no longer exist with that company! Great news for you. If the charge off is less than 2 years old, the credit bureaus will have an easier time linking it to you and it will come back verified – you will need to either pay it in full, settle it at 50% or less, or make a payment plan to take care of it.
The third tip is in the dispute process. When you “Spring Clean” your credit reports by disputing negative information, updating your personal information and deleting erroneous information, you can dispute your charge offs as “not your account”. Although you may actually know that you signed up for that account, a dispute letter that says the account isn’t yours will allow the credit bureaus to automatically find out whether the collection agency followed all the rules or can actually verify the account belongs to you. Most accounts are removed with this process.
Once you have disputed your negative accounts and reduced them, follow through by making settlements or payment arrangements with your remaining creditors, and only pay them when you receive the terms of your payment arrangement or settlement in the mail – to prove you made the agreement to pay in turn for them to remove that account from your credit reports.
Remember, the habits you keep with the care of your credit on a daily, weekly and monthly basis are the key to creating excellent credit. The dispute process can raise your credit scores 50 – 100 points, but will not allow you to achieve excellent credit. Creating a portfolio of diverse credit accounts with the right spending habits is what makes Spring Cleaning better than credit repair.
Tamara Rasheed dedicates her life to helping people define what “living life at its best” means for them as a Life Coach, Professional Credit Specialist, example, guide, mentor
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Take Charge Juvenile Diversion Program DVD
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