Charge Offs

“How to Remove Charge Offs from Your Credit Report”

If you have struggled with your credit you likely may have “charge-off’s” listed on your credit report. And what exactly is a charge-off? Well, a charge-off means that a creditor decided to treat an account receivable as a loss because they do not believe that they will ever get paid on the account. Basically the creditor has given up on ever collecting the debt. Many times the creditor will assign the load to a third-party collection agency to try to recover some of the loss. When this happens both the original creditor and the collection agency generally report negative items on the person’s credit report resulting in a double whammy for the unfortunate consumer.

Generally the consumer is unfortunate. Most of us want to pay our bills and obligations. Very few of us go out and get credit just so we can get the money or have the stuff and not pay for it. We want to pay our way. We want to fulfill all of our obligations but sometimes, bad things happen. We lose our jobs. We get divorced. We get sick. Our business fails. Life happens and sometimes our credit goes bad because of it. It was not our intention. It was never our plan but it happened anyway. And often we end up paying for it over and over again because of the dreaded “charge-offs” and other derogatory items on our credit.
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Our Story

We suffer through some bad times and we pay for it over and again. We pay for it by not being able to buy a car or get a mortgage. Sometimes we are not even able to get a job because of derogatory credit! All we really want to do it make our lives better and it seems that a bad credit report holds us back over and over again. It follows us around like a big dark cloud.

So how can you remove charge-offs from your credit report? How can you break through that dark cloud of a negative credit report and start again?

What Worked For Us

Well since I have been there, I can honestly tell you what worked for me. I had many charge-offs, late payments and other derogatory credit information on my report and I was struggling along through life for a long time. Then a friend told me about Lexington Law Office. I was skeptical but I figured that it couldn’t get any worse so I would try it.

I’m glad I did. Lexington Law Office saved me. They helped me clear my credit and remove the charge-offs and it was such a relief.

I was able to start over because of the help I received from Lexington Law Office. I am so grateful and appreciative. Now the hard times really are a thing of the past.