HOW TO REMOVE CHARGE OFF FROM MY CREDIT REPORT .I need lawyer that has experience doing that effectivly not to tell me do google search . I am here for effective legal advice and and effective legal strategy step by step to remove it. A lawyer that has excellent track recrdfor doing it. Do not tell me go to lawyer refferal service. Response: The only way that you can legitimately remove a charge off from your credit file is if you dispute the charge. Regardless of what you have read or promises that have been made to you by some companies to make the charge-off disappear, you can only remove the charge-off if your account is not supposed to be charged off in the first place. Otherwise, disputing a charge-off that you know to be legitimate just to get it removed is fraudulent.
Assuming that the charge-off is not supposed to be on your file, you would dispute the account with the Credit Reporting Agencies ("CRAs"). Pursuant to Fair Credit Reporting Act ("FCRA"), the CRAs have up to 45 days to investigate the dispute and send you the results. As part of this inquiry, the CRAs would send inquiries to the collector/creditor ("reporter") to confirm or correct the information. If the reporter responds to the CRAs’ inquiries and confirms the information, the charge-off— the derogatory information would stay on your file. You may then file lawsuit against the reporter to force them to remove the information from your credit file. On the other hand, if the reporter does not respond to the inquiries, the CRAs would delete the information from your credit file.
DISCLAIMER: Answers from Experts on JustAnswer are not substitutes for the advice of an attorney. JustAnswer is a public forum and questions and responses are not private or confidential or protected by the attorney-client privilege. The Expert above is not your attorney, and the response above is not legal advice. You should not read this response to propose specific action or address specific circumstances, but only to give you a sense of general principles of law that might affect the situation you describe. Application of these general principles to particular circumstances must be done by a lawyer who has spoken with you in confidence, learned all relevant information, and explored various options. Before acting on these general principles, you should hire a lawyer licensed to practice law in the jurisdiction to which your question pertains.
The responses above are from individual Experts, not JustAnswer. The site and services are provided “as is”. To view the verified credential of an Expert, click on the “Verified” symbol in the Expert’s profile. This site is not for emergency questions which should be directed immediately by telephone or in-person to qualified professionals. Please carefully read the Terms of Service (last updated February 8, 2012).