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what to do about charge off reported in '04?


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I am just starting to clean up a messy credit report. I've been reading the posts but didn't find the answer and am overwhelmed, this is taking all my time.

I have a charge-off for $4,100, listed as a profit and loss write off by the original lender, showing account closed and charge off dates of 5-2004. What should I do, request the credit bureaus to remove it or leave it alone?

Thanks in advance.


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