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Credit repair – How do I dispute a Charge-off?

I have a couple charge-offs that are killing my credit. Where do I start? I do not have the funds to hire someone, so if anyone can possibly tell me where to begin or how to dispute this, that would be great.

Thank you

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2 Responses to “Credit repair – How do I dispute a Charge-off?”

  1. Charge-offs are credit killers…and unless you negotiate in writing with the creditors to do a “Pay for Delete,” where they agree to delete the notation upon receipt of an agreed-upon amount….they will continue to kill your credit. If you do this, get all terms in writing first prior to giving them one penny. Never accept verbal deals over the phone.

    Don’t bother hiring someone to clean up your credit…they’re just con artists. If you don’t have the funds to attempt the Pay for Delete….you need to resign yourself to having bad credit for a while.

  2. first, were they your bills? if they were did you not did you pay them off? you will have to write the dispute to all 3 credit bur
    but if there not yours. write letters to the creditor explaning you see these on you credit and they are not yours bills.
    if they don’t want to do any thing about it sue them for 50 times the amount they say you owe.for destroying your credit demand they repair your credit.

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