How to Remove Charge Offs

I Raised My Credit Score Over 200 Points by Removing Charge Offs from My Credit Report!

Read my story below (and check out the photos for proof) to see how you can remove charge offs from your credit report.

What is a Charge Off?

“Charge off” is simply a term that creditors use when they determine that they are not able to collect a debt that is owed to them. They write that debt off as a loss against their income taxes. However, the debt is still legally valid and the creditor can attempt to collect the full amount.

A charge off can be listed on your credit report for up to 7 years. 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 remove charge offs from your credit report.

My Credit Nightmare

I never worried about my credit until a few years ago when the company I worked for went under. With the weak economy, I had a hard time finding a new job and the bills kept piling up. Eventually, I was no longer able to make my payments and all of my credit card accounts were charged-off and sent to collection agencies.

That’s when the collection calls and endless harassment from debt collectors started. Talk about a nightmare, I was afraid to answer my phone. I decided to file for bankruptcy and was relieved of my debt, but the damage to my credit was already done.

Time to Take Action

I got back on my feet with a new job and thought I was on the right track until I tried to buy a house. I found out that my credit scores were too low for the banks to even consider giving me a loan. Talk about frustrating and embarrassing! The last straw was when I went to buy a car and couldn’t qualify for a loan.

I confided in a friend about my poor credit score and she told me about Lexington Law Firm and ranted and raved about how awesome they are. I was excited that there was hope for me, but a little skeptical. However, after seeing what they did for her, I knew I had to give them a try. My friend gave me the website address and I checked them out.

Lexington Law Repaired My Credit Score

With one simple call to their 1-800 number (800-258-0062), I was connected to a credit expert who was not only very knowledgeable, but she was very friendly and understanding of my situation. I decided to sign up and I am so glad that I did! After about 3 weeks, I started receiving letters from the credit bureaus informing me that negative accounts had been removed from my credit reports! (See below.)

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 from MyFICO since I signed up with Lexington Law:

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.”

— T.B., Lexington client

“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.”

— B.K., Lexington client

You can read hundreds of client testimonials and even watch some very inspirational client video testimonials here:

If you’re sick and tired of having bad credit, I recommend you visit Lexington Law Firm. They 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.

Discount for Couples

Lexington Law is now offering $50 off the inital fee when you and your spouse sign up together. The discount will be applied after the second sign-up is complete.

Remove Charge Offs from YOUR Credit Reports Now!