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Charge Off's Removed


Conspiracist1169
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Finally! I've waited about 2.5 years and finally got all 5 charge off's removed from my Credit report.

I learned just before settling these accounts, CC's purge their records, usually about 2 years after the account is closed.

It took me about 2.5 years to clear off some Bank One CO's, but it's finally done. I just continued to send in disputes and one by one they came off.

Now if I can just take care of one last pesky account with ASSet. I'll be done cleaning up my credit reports.

For those of you out there who are settling accounts, hang in there. It takes time, but you WILL rebound and so will your credit!

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I learned just before settling these accounts, CC's purge their records, usually about 2 years after the account is closed.

Congratulations!!!!!!

Thank you for passing this info on about the 2 years. I am beginning this process and I am hoping to get an old Visa charge off from 1999 removed.

The post about Capital One is disturbing though. Looking at my credit report, I have a charge off from 1999, and Capital One shows a "date reported" of 1/2005!

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