Removing Charge off from Credit report.?

bhumik · Jul 9, 2008

Hi,
About 2 years ago I moved out of my appartment and I dont remember what exactly happened but the gas company still had the appartment under my name. I had moved and didnt have a phone number and as a result I got a 130 dollar bill from the gas company on my name. I didnt know bout it until I found it on my credit report as a charge off. What can I do about it?? I want to get it removed As soon as possible. Can i do that? I mean its only 130 dolllars, heck if i had know it I would have paid it back then.
Whats the cheapest way to get it removed.
thanks

pesty4077 · Jul 9, 2008

bhumik said:
Hi,
About 2 years ago I moved out of my appartment and I dont remember what exactly happened but the gas company still had the appartment under my name. I had moved and didnt have a phone number and as a result I got a 130 dollar bill from the gas company on my name. I didnt know bout it until I found it on my credit report as a charge off. What can I do about it?? I want to get it removed As soon as possible. Can i do that? I mean its only 130 dolllars, heck if i had know it I would have paid it back then.
Whats the cheapest way to get it removed.
thanks

I have a friend who does that for a living. Call up the company, tell them you were not aware of the problem, tell them you are willing to pay the bill, however, you would like them to remove the charge off and put on the credit report, to show paid in full with $o balance. Get it in writing when paying. So, you give to all three credit reporting agencies, or keep as reference if it ever comes up again.

bhumik · Jul 9, 2008

So I should call the Gas agency which is peoples energy, or should I call the collection agency??

Powerstrokin · Jul 9, 2008

I also no of a company that helps people get this stuff off there credit if you need help i can find the number for you..

bhumik · Jul 9, 2008

can u please> ? thanks

mrsoul · Jul 9, 2008

contact the collection agency. honestly explain to them that you had no idea you owed to money and are willng to pay in full. then explain to them that you need to have this removed from your credit report. most companies will agree that if you pay they will report to the credit agency that the debt was paid on time and remove the charge off.

pesty4077 · Jul 9, 2008

mrsoul said:
contact the collection agency. honestly explain to them that you had no idea you owed to money and are willng to pay in full. then explain to them that you need to have this removed from your credit report. most companies will agree that if you pay they will report to the credit agency that the debt was paid on time and remove the charge off.

Yea, I thought I said that, Tell him MR. soul, you do not need to pay anybody to do that, it is fairly simple.

mooshue · Jul 9, 2008

just wanted to make it clear, you will only pay the bill IF they are willing to get you letters and remove it from all 3 credit bureau's. If they will not do that (some wont) then you go back to the original creditor, pay them direct and then dispute the collection to the bureaus yourself. Typically the collection agency adds fees and interest and crap to maintain the account and it will be cheaper through the original creditor, but it is easier to just pay the extra if they are willing to remove it.

Powerstrokin · Jul 9, 2008

bhumik said:
can u please> ? thanks

Yes I will get it for you..

Kaiser · Jul 11, 2008

http://www.a1creditusa.com/

chevster01 · Jul 12, 2008

kaiser do you personally know if that website you posted really works? looks like it can help alot.

Kaiser · Jul 12, 2008

chevster01 said:
kaiser do you personally know if that website you posted really works? looks like it can help alot.

Yes they do, and it's fairly cheap too.

Powerstrokin · Jul 13, 2008

The place i was talking about is called Fresh Start Credit clean up. But i can't find there number. I will get it thoo.

trux7927 · Jul 13, 2008

There are several ways to accomplish what you want w/o paying anyone to do it. First off, each of the (3) credit reporting agencies, transunion, experion, forgot the other, allow you to get a FREE copy of your credit report every yr or 2. Write them and ask them for this. When it comes in, you may or may not understand it, but find the specific account you are speaking of and dispute that item. DOES NOT matter if it is accurate or not!! YOU dispute saying account was paid as agreed, never been late!! Then send it back to the agency. They, in turn, have 30 days to verify the account's validity, or remove it from your bureau. TRUST me, I have done this hundreds of times to clients when I was in the car business....what happens is there is only so much a collection agency or creditor can respond to these disputes. It is not practical to have someone verifying the info hundreds of times/ day, and some will pass thru the cracks, everytime. I would dispute every negative item on your bureau, and I would say that something will disappear every single time.

The other way works well if you get your checks back from your bank, or can get copies of front and back. Pay the outstanding collection, but put on the back of your check, under where they will sign, but on top of the little line they use for a cutoff.....in very small letters obviously, but legible...."all derogatory info concerning this account will be permanently removed for all credit reporting agencies" This is in fact, when signed by the agency you send it to, is a binding contract, which the credit agency will accept as proof of satisfactory payment. AND who is not going to sign a check to get the money owed to them, just b/c of whatever the fuck it says on the back?? Hope this helps, as I have used it many times.

horizonchemical · Aug 12, 2008

Get a copy of your credit report from all the 3 major beauros. Dispute every claim. Send it to them certified mail. They have x amount of days to respond before you win by default. There is another form you send them notifying them of noncompliance and not being able to tell you specifics about your account.

the reason this works by default is because they receive so many dispute letters etc they do not have time to get to them all.

It is a little more in depth than this and there are formal legal forms that have been created for this exact purpose. It must be followed to a T. This is how many credit repair agency clean your credit. Is it legal? It works, the system doesnt care about you, and will take your money and make life difficult for you, why not exploit the system. I will scan and post pdf forms along with instructions once i find them. I have them in several books.

You may also get out from under debt by becoming a secured party creditor. My father recently completed this I didnt believe it was true. Now I plan on going through this process.

google secured party creditor and learn a little about your corporate name.

bpoppapumpp · Sep 24, 2008

horizonchemical said:
Get a copy of your credit report from all the 3 major beauros. Dispute every claim. Send it to them certified mail. They have x amount of days to respond before you win by default. There is another form you send them notifying them of noncompliance and not being able to tell you specifics about your account.

the reason this works by default is because they receive so many dispute letters etc they do not have time to get to them all.

It is a little more in depth than this and there are formal legal forms that have been created for this exact purpose. It must be followed to a T. This is how many credit repair agency clean your credit. Is it legal? It works, the system doesnt care about you, and will take your money and make life difficult for you, why not exploit the system. I will scan and post pdf forms along with instructions once i find them. I have them in several books.

You may also get out from under debt by becoming a secured party creditor. My father recently completed this I didnt believe it was true. Now I plan on going through this process.

google secured party creditor and learn a little about your corporate name.

i googled this and can't find any clear info on it. Can u please explain what this is?

unnatural1 · Sep 29, 2008

horizonchemical said:
Get a copy of your credit report from all the 3 major beauros. Dispute every claim. Send it to them certified mail. They have x amount of days to respond before you win by default. There is another form you send them notifying them of noncompliance and not being able to tell you specifics about your account.

the reason this works by default is because they receive so many dispute letters etc they do not have time to get to them all.

It is a little more in depth than this and there are formal legal forms that have been created for this exact purpose. It must be followed to a T. This is how many credit repair agency clean your credit. Is it legal? It works, the system doesnt care about you, and will take your money and make life difficult for you, why not exploit the system. I will scan and post pdf forms along with instructions once i find them. I have them in several books.

You may also get out from under debt by becoming a secured party creditor. My father recently completed this I didnt believe it was true. Now I plan on going through this process.

google secured party creditor and learn a little about your corporate name.

Interesting. If you have time to scan those pdfs, that would be great.