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changochulo

Un-paid Charge offs

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Ok here is the scoop I have 3 un-paid charge-offs showing up on my Exp report. I have been successful in getting the collection agencies for those accounts off my report. However, the original creditor's charge off still shows up. What do you guys recomment is the best way to get them off? The total amount between the 3 charge offs is no more that $500 dollars and I can pay it, but I also want to know how to remove them. Any help is appreciated.

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write them a pay for delete letter.

i still don't think these are mine, but i'm wiling to give you the money if you'll agree to delete the entries from my credit report.....

make sure you get an agreement IN WRITING!

good luck

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It's my experience (Bally total fitness) that they will refuse to. They will push for you to settle with the CA (of course this was just a phone call and the lady was kind of rude to me) I am in the process of sending them a pay for delete letter.Let's see what happens

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Technically, if the TL on your CRs only shows "charge off", its still owned by the OC...and its still carried on their books. They may balk at taking your money, but the only reason they would do that is that it might go against the terms of the contract they have with the CA. So what...tell them "take my money, recall the acount, and go away".

On the other hand, if the TL says "charge off / sold to another lender" then the CA is really a JDB and the OC has washed their hands of the account. IMHO, there's no good reason to deal with a JDB, but if you can get them to send you a letter saying paid in full, no reporting, no resale, then maybe...

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