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Can I get information deleted off my report

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Joined: 16 Jun 2008
tryingtomakeitright's page
Posts: 1

100 Magic Points

Subject: Can I get information deleted off my report
Posted on Mon Jun 16, 2008 10:14 pm  

I paid a debt off in full but is is reported on my credit report as a charge off/paid Can I get this off my report?


Joined: 28 Jun 2006
scott's page
Posts: 446

10890 Magic Points

Posted on Tue Jun 17, 2008 10:43 am  

Hi tryingtomak
Even if you have paid out your debt in full, charge off debts will list in your credit report for seven years from the date of initial missed payment. However, it will show as "paid charge off" and I don't think that there is any way to remove the charge off listing from your report before that period.

Use your credit account responsibly and enjoy a debt free life.


Joined: 31 Jul 2006
anthony's page
Posts: 516

13615 Magic Points

Posted on Tue Jun 17, 2008 11:47 am  

Yes, scott is correct. Actually once charge off is listed in your credit report, it cannot be removed till seven years of from the date of first missed payment. So it is always advisable to avoid charge off listing in the credit report by coming to a repayment agreement with the creditor.
Anthony Marx

A positive attitude is not achieved by turning a blind eye to the negative, but rather by responding to every situation in the most positive way possible.

Subject: Actually... sometimes you can...
Posted on Tue Jun 17, 2008 5:00 pm  

Sometimes a collection agency will agree to remove something if you pay it in full. It is best to come to this agreement with them BEFORE you pay it. Also, collections agencies that are operating on behalf of a company will sometimes take the instruction of that company when it comes to deleting the collection versus marking it paid. You'll have more luck with customer service oriented companies like car insurance providers and cell phone companies than you would with medical bills when it comes to this. The cell phone company wants your business in the future and doesn't want you going around telling everyone who will listen about their hard-nosed collections policies.

Good luck!

Subject: rebuild my credit
Posted on Tue Oct 21, 2008 6:53 pm  

i have some charge offs on my credit and some credit cards behind can you help me by telling me what i should do


Joined: 17 Jul 2006
Justin's page
Posts: 1238

28944 Magic Points

Posted on Wed Oct 22, 2008 7:05 am  

Hi Samantha
Charge off cannot be removed from your credit report by the CA once it gets listed and it stays there for seven years from the date of the first missed payment. However, if the debt is still with the original creditor, and if you can make him agree to remove the charge off, it can be removed.
A charge off listing can lower your credit score by as much as 100 points. But if the OC do not agree to remove the charge off listing, you can ask him to change the status of the listing to "paid as agreed" instead of "paid charge off" after you pay off the debt.
All the Best Smile


Joined: 27 Jun 2006
carol's page
Posts: 1299
Location: Los Angeles, California

30071 Magic Points

Posted on Wed Oct 22, 2008 7:16 am  

You should always pay off a charge off account, even if the creditor does not agree to remove the charge off listing, because a "paid charge off" listing is certainly better than a "charge off" listing although your credit score will not improve. Charge off does not mean that you are not required to pay off the debt. In fact you are still liable for the debt and the creditor can bring judgment against you to recover the debt. Now, if the creditor bring judgment against you, it will again lower your credit score. So to avoid judgment, you should pay off the charge off debt as soon as possible.
Keep in touch


Joined: 13 Aug 2007
sdchargers_63's page
Posts: 1883

1916 Magic Points

Subject: debt
Posted on Fri Oct 24, 2008 2:11 am  

So many ways your score can drop. That's pretty scary in 'my book'. Judgements automatically stay on there for 7 years? Gosh. I guess if you try to take care of OTHER things, on your CR, it would look a bit better. The score, I mean.

Joined: 28 Oct 2008
AKnigh's page
Posts: 3

158 Magic Points

Posted on Wed Oct 29, 2008 2:50 am  

If you have old charge offs that are still with the original creditor and paid (like 2 years ago) what kind of letter should I send? I've seen all sorts of letters here but they seem to be dispute letters rather than requests to change status.

Thanks Smile


Joined: 06 Jul 2006
Mary's page
Posts: 684

17426 Magic Points

Posted on Wed Oct 29, 2008 11:36 am  

If the debt is still with the original creditor, the charge off listing can be removed by pay for deletion agreement with the Creditor. For this you need to contact the creditor by sending a Debt validation letter by certified mail. If the creditor responds by validating your debt, you should send this PFD letter asking him to remove the charge off listing. You need to negotiate because the creditor may not agree to remove the listing at the first instance. However, if the creditor agrees to remove the listing, get it in writing from the creditor before you pay off the charged off account.
Where there's a will, there's a way !!


Joined: 13 Aug 2007
sdchargers_63's page
Posts: 1883

1916 Magic Points

Subject: debt
Posted on Wed Oct 29, 2008 3:00 pm  

Ok...I NOW know you can send PFD letter to the OC. What if the CA refuses to take the debt off, but the OC agrees to? Some things, on myCR, are a 'double' post...I mean it's the same debt, but...the OC and CA have reported it. How do ya take care of that? The same the OC, only?

Joined: 05 Feb 2010
LindaC's page
Posts: 2

45 Magic Points

Posted on Fri Feb 05, 2010 6:48 pm  

I have a charge off I was going to pay off this week.

Should I ask the OC about a deletion agreement BEFORE I pay it?

She told me it would just be marked paid in full and taken off the negative side and moved to another section but that it couldn't be deleted. Is she right? Or should I press her about a deletion agreement before I send the $$$? Thanks

Posted on Wed Mar 10, 2010 11:09 pm  

I have charged off on my accounts and I already made an repayment plan to my credit card debt. creditor sent a letter stating my account is paid in full and closed. How long will my debt stay on my credit reports and delete the charged off eventhough the balance are $0?


Joined: 08 Feb 2010
Aaron's page
Posts: 2632

48565 Magic Points

Subject: charge off paid
Posted on Thu Mar 11, 2010 7:23 am  

Hi Jovan,

As you have already paid the dues, the collection agency may not agree to remove the negative item off your report. You can first pull a copy of your credit report. Check the status of your account. If the balance reflected is zero, and is shown as "Paid in full", then you need not worry much. Moreover, with time the negative impact of the item will lessen.

Hope this helps.


Keep in touch Smile

Joined: 10 Mar 2010
NightStar's page
Posts: 142
Location: Illinois

3176 Magic Points

Posted on Thu Mar 11, 2010 7:40 am  

If you have not paid the entire debt and just settled for less than full amount. You can revisit the issue and offer the creditor or collection agency the remaining balance for deletion.

If you have already paid in full, you might try a goodwill letter asking for forgiveness and their reconsideration to keep the item on the credit report.

If you find any errors like double reporting you can contact the credit reporting agency by phone and talk with a rep about the reporting, give them the report number and they can pull up the same report you are looking at, ask them to look at the two items and ask that they remove the duplicate. Now a duplicate is just one account under the same company reported twice. If it a listing that covers the same account by two different companies - than that is not a duplicate listing.

If you find any errors in the credit reporting like incorrect balance, incorrect open / close date, late listings, status notation, credit limit, high balance and so forth you can submit a dispute. Say like "Incorrect balance, please update or remove" just like that. Send it in and wait and see what happens.

If the creditor or collection agency for any reason ignores the dispute it can be removed since you would have worded it just right for the credit reporting agency to do just that.

The creditor or collection agency can catch the missing item later and add it right back. BUT the credit reporting agency would then be obligated to notify you of reinsertion within 5 business days. If they don't you have them on a technicality - you can write back requesting permanent deletion due to failure to notify of reinsertion.

Be sure to send all disputes certified mail, return receipt requested, watch the 30 days plus 5 days for mail time, if you don't hear back 35 days from the date on the green card you can also write back and prod the credit reporting agency to complete the investigation even if they are not done. That is another way to force the matter.
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