How do I get an old charge off of my credit report?
144861
Call the credit report company and they will tell you the number or address of the company in question.Also if it's on your credit report it usually tells you when they will take the charge off.
988618
Best bet is to order a credit report. This way not only do you get information about the old credit card account you are able to get an up to date account of your entire credit history.\n\nHere is some information on how to get your credit report:\n\nQ: How do I order my free report?\n\nA: The three nationwide consumer reporting companies have set up a central website, a toll-free telephone number, and a mailing address through which you can order your free annual report.\n\nTo order, visit annualcreditreport.com, call 1-877-322-8228, or complete the Annual Credit Report Request Form and mail it to: Annual Credit Report Request Service, P.O. Box 105281, Atlanta, GA 30348-5281. The form is on the back of this brochure; or you can print it from ftc.gov/credit. Do not contact the three nationwide consumer reporting companies individually. They are providing free annual credit reports only through annualcreditreport.com, 1-877-322-8228, and Annual Credit Report Request Service, P.O. Box 105281, Atlanta, GA 30348-5281.\n\nYou may order your reports from each of the three nationwide consumer reporting companies at the same time, or you can order your report from each of the companies one at a time. The law allows you to order one free copy of your report from each of the nationwide consumer reporting companies every 12 months.\n\nA Warning About “Imposter” Websites\nOnly one website is authorized to fill orders for the free annual credit report you are entitled to under law – annualcreditreport.com. Other websites that claim to offer “free credit reports,” “free credit scores,” or “free credit monitoring” are not part of the legally mandated free annual credit report program. In some cases, the “free” product comes with strings attached. For example, some sites sign you up for a supposedly “free” service that converts to one you have to pay for after a trial period. If you don’t cancel during the trial period, you may be unwittingly agreeing to let the company start charging fees to your credit card.\n\nSome “imposter” sites use terms like “free report” in their names; others have URLs that purposely misspell annualcreditreport.com in the hope that you will mistype the name of the official site. Some of these “imposter” sites direct you to other sites that try to sell you something or collect your personal information.\n\nannualcreditreport.com and the nationwide consumer reporting companies will not send you an email asking for your personal information. If you get an email, see a pop-up ad, or get a phone call from someone claiming to be from annualcreditreport.com or any of the three nationwide consumer reporting companies, do not reply or click on any link in the message. It’s probably a scam. Forward any such email to the FTC at spam@uce.gov.\n\nQ: What information do I need to provide to get my free report?\n\nA: You need to provide your name, address, Social Security number, and date of birth. If you have moved in the last two years, you may have to provide your previous address. To maintain the security of your file, each nationwide consumer reporting company may ask you for some information that only you would know, like the amount of your monthly mortgage payment. Each company may ask you for different information because the information each has in your file may come from different sources.\n\nQ: How long does it take to get my report after I order it?\n\nA: If you request your report online at annualcreditreport.com, you should be able to access it immediately. If you order your report by calling toll-free 1-877-322-8228, your report will be processed and mailed to you within 15 days. If you order your report by mail using the Annual Credit Report Request Form, your request will be processed and mailed to you within 15 days of receipt.\n\nWhether you order your report online, by phone, or by mail, it may take longer to receive your report if the nationwide consumer reporting comp
1016146
They should be removed from your credit report after 7 years.  sometimes you have to write each credit company (experian, trans union, equifax) and tell them so they remove it.
1152757
you from the UK? got info the other day from a company called Nationwide Credit consultants tel:0870 787 1990, call is free. You pay them a fee and can have your history cleared of the last 6 years, and yes it is Legal too so try that. I will.
446449
Ok.  When a credit card or whatever charges off your account, it is usually sold to a collection agency.  You will now have 2 reports for the same thing on your credit.  This is ok.  If you have 3, you should contact the credit agency.\n\nYou have 7 years FROM THE LAST PAYMENT MADE before it falls off of your credit.  If it's been a year since your last payment, you have 6 years left, even if it was just charged off this month.  If you have no intention on paying, do not contact the collection agency, it could restart your 7 years.
100306
1.  Pay up so the balance is positive.\n2.  Close it.\n3.  Wait 2 years.\n\nYou can also ask your bank if they'll remove it from your credit report once you have a positive balance.  Chance are they'll update the credit score to show that it's remedied, but you'll need to wait 2-6 years for it to clear.
26973
If the reports that are in your credit report are factual then nothing you can do.  You can only wait for 7 -10 years when they will be erased off your record.\n\nHowever, if it happenned through no fault of your own, speak with the creditors and ask them to remove the negative entry from your file.\n\nSometimes you can call the reporting agency and claim you have no knowledge of a certain entry or you dispute it and they'll request more information from the creditor.  If the creditor does not reply they will remove it.\n\nEither way at least dispute it so it will say "disputed by consumer" on file, so other potential creditors will at least know you are fighting it.
571470
<sigh>\n\nOK, William, I thought you would be a differant form of creditor....but you are at least honest.  Just need some more education.\n\nWinelover, you are obviously a collector, peddeling the same like of BS as all the rest!\n\nLets clear up the lies.  Debts can NOT be reported on your credit report for more then 7 years, beginning on the date of the delinquency.  Please refer to the Fair Credit Reporting Act Section 804.\n\nCreditors can continue to collect on a debt that is older then the statute of limitations.  They just have no legal way of collecting.  Depending on the state, that runs from 4-10 years.  Once that day is passed, they can NOT sue you in court or legally try to collect.  If the debt is real old, you can simply contact the credit bureau and demand that it be removed due to the SOL running out.  It will probably require a letter to the creditor also.  Either way, debts older then 10 years can easily be ignored!\n\nSo when you folks tell people that depts never go away, you are simply uneducated or lying?  Which is it?\n\nThe only time they can continue to come after you is if they have taken you to court, and won a judgement.  \n\nThat said, lets answer your question.  William is correct.  Older debts do not hurt your score as bad as recent debts.  Don't get me wrong...negative reports still hurt!  \n\nIf you have any bills collection interest, pay them first (high interest rates first).  Then just try and work your way through.\n\nBefore you pay, first contact the creditors and try to negotiate a lower balance if possible.  Just explain what happened and they may work with you.  \n\nMost importing...you are trying to cean up your credit report.  It does you absolutely no good to pay these bills if the creditor does not remove any negative information from your report.  And you will find that once they have your money, they will not be very cooperative in helping you.  Once paid, you no longer have any leverage to work with.\n\nGet IN WRITING an agreement that once the bill is paid, they will remove all negative information from your records.\n\nUse the sample letters below to help you.\n\nWhen you negotiate, DO NOT offer to pay anything.  One slick trick collectors are using is to ask for a "good faith" payment.  If you do that, you start the statute of limitations clock, and your debt added several years to it's age.  The way the game is played...you are NOT denying you owe the debt, but you are NOT offering to pay it either, until an agreement is reached.
731806
The statute of limitations for a charged off credit card depends on the state in which you originated the debt.\n\nPlease refer to the hyperlink attached below to find out the appropriate statute of limitations for your specific situation.\n\nGood luck and 10 pts please.
896888
If the creditors are older than 7 years you can request the credit reporting bureaus remove them. Unless it is items associated with bankruptcy which can remain on your credit report up to 10 years.\n\ngo to www.annualcreditreport.com and get your credit report, then look over them and read it for information on how to take care of incorrect items, out of date items, etc.
1014611
All you need is your reports and an internet connection, sometimes a phone.  \nGet your reports annualcredit report.com\nFind innaccuracies/outdated information\ndispute online\nif your report contains accurate negative information, it can still be removed if it is unverifiable.  if you dispute and the company doesnt respond in the alotted time frame the information must be removed.  \nIts just so easy.  theres lots of information on the net.  Id give you my email to help further but im not sure if we can do that or not ;)
934407
Either get an old bill and find the number that way or call the Companies  and they may have it?! Nexts some like that happens again write it down, :)
562090
The creditor can remove the bad credit information if they want to...you just have to ask them.  If they won't clean your record, why pay them?  \n\nSend them a letter saying that in exchange for a written promise to delete the negative information, you will pay the debt.  That's the only way you will get your record cleaned up.\n\nThese people who tell you that they will put "paid" on your account and it will look better then an unpaid debt are lying!  It's still a negative report, and it's going to hurt your credit score!
338466
Perhaps instead of a debt consolidation your in need of a credit repair company, as these old debts have been charged-off already.?
695909
If it's been 10 years since you made any payments, wait another 6 months and the charged off account will be off your credit report and won't matter anymore.  Some of them may have fallen off after 7 years anyway.
192357
Once a bad debt (charge off) is reported to the credit reporting agency, it stays there for 7 years.  It will stay there unless the creditor tells them to remove it.\n\nTherefore, if you pay off the debt, the creditor >>>CAN<<< remove the negative report.  However, many of them will not do it unless forced to do so.\n\nOnce you have paid them off, you no longer have any leverage to force them to do anything.  Remember, collection agents don't give a darn about you, they just want their money.  \n\nThat is why it's so important to GET IN WRITING before you pay them anything that they will remove the report from your record once the debt is paid.\n\nWhy in the world would you pay them and still have a bad credit rating?  \n\nUse the sample letter below as a guide, and negotiate a settlement with them.
185128
check your credit report and dispute whatever you can on it.  if credit companies cant prove you owe this amount or if the report is past 7 years, then they have to remove it.  experian is the easiest to dispute online...i wiped out 13/24 debts from my report just by challenging them online within 6 weeks!!  it'll take some time and a bit of effort, but not as hard as i thought, and definately worth it!