How I Removed Multiple Charge Offs from My Credit Report
It also Raised My Credit Score Over 200 Points by Removing Charge Offs from My Credit Report!
Here's Exactly What I Did.
Step 1. Called a Credit Expert at (800) 215-9365
I spoke to Cindy, a credit expert who was very friendly and understanding of my situation.
She was awesome, and very cool to talk to.
Step 2. Gave her my info, told her my story.
She really was awesome, and put together a personal plan that was
perfect for my situation. Only took about 5-7 minutes!
Step 3. Started receiving letters from the credit bureaus.
(see below) the negative accounts had been removed from my credit reports!
Charge Offs Removed from My Credit Report:
I raised my credit scores by OVER 200 POINTS since I got the charge offs and other negative items removed from my credit report. Here's a snap shot my credit scores since I signed up with CreditRepairGurus.net:
My story is pretty simple, and pretty typical, I have a few friends that have gone through the same thing. Read my story below (and check out the photos above for proof) to see how you can remove charge offs from your credit report.
What is a Charge Off?
Charge off is an accounting term used by creditors when they consider a debt to be uncollectable. The debt is still legally valid and the creditor can attempt to collect the full amount. Charge offs are usually sent to collection agencies and handled by debt collectors.
If you have charge offs on your credit reports, your ability to obtain credit will be seriously impaired. The best thing you can do is get Charge off’s removed from your credit report.
How I Got Bad Credit
Like many other Americans, when the economy tanked my husband's employer let go of half of its employees, including my husband. We were able to keep up on the bills with his unemployment check and my part time job but, eventually the checks ran out and the monthly payments proved to be too much.
To save our house, we ended up filing bankruptcy. In hindsight, it may not have been the best decision, but we did what we had to do to keep a roof over my family. The bankruptcy relieved us of our debt, but the damage to our credit was done.
What I Did About It
After the bankruptcy, my credit was finished, and I couldn't get a approved for anything – all because my credit scores were too low for the banks to even think of giving me a loan. Getting turned down for even really small loans over and over was frustrating and quite frankly, embarrassing.
A friend told me about some services online that help erase negative reports on your credit, and was ranting and raving about how awesome they were. She also told me to be careful on who to use, that there were a lot of companies out there that you can’t trust. The one she did tell me that worked the best, was CreditRepairGurus.net. (The same service that she used.) I was skeptical at first, but after seeing what they did for her, I knew I had to give them a try. So, I got online and looked them up.
CreditRepairGurus.net and Lexington Law Changed My Life
I called (800) 215-9365, and a credit expert from Lexington Law was very friendly and understanding of my situation. She was also very knowledgeable. So, I went ahead and signed up. Boy, am I glad I Did! After about 3 weeks, I started receiving letters from the credit bureaus stating that negative accounts had been removed from my credit reports! (See image of my credit report above.) †
Other Client Testimonials:
"I have to admit I was a little skeptical at first, but after seeing what you were able to do with my credit after only a few months, it is very reassuring. Thank you for everything that you are doing for me and please pass on to your staff my appreciation for all of the hard work." †
"Thank you for your service. I have had great results from the work you have done on my behalf. I had been warned not to use any credit repair company, but after some research I Decided to give Lexington a try. The results have been better than expected. Several items have been deleted from my credit report and more importantly my FICO score has dramatically improved. I was recently approved for 'best rate' financing on a new car and a home construction loan. Thanks." †
Our Only Regret was Not Signing Up Sooner!
If we had signed up sooner, we would have saved ourselves a lot of embarrassment and heartache, but we're just grateful we did. The truth is, most people don't know about credit repair and think they have to wait 7-10 years to get a loan.
If you're sick and tired of having bad credit, I recommend you fill out the form above or call (800) 215-9365. CreditRepairGurus.net can delete all kinds of negative items from your credit reports, including: bankruptcies, foreclosures, repossessions, charge offs, judgments, tax liens, collections, late payments and more.