A charge-off means a creditor gave up on collecting and wrote the balance off as a loss. It still shows as unpaid and hits your score hard. If a charge-off on your report is inaccurate, unfair or unverifiable, we challenge it across all three bureaus, on your behalf. Start with a free analysis for a straight answer on yours.
A charge-off means a creditor gave up on collecting and wrote the balance off as a loss. It still shows as unpaid and hits your score hard. The good news: a large share of negative items on the average report are inaccurate, outdated, or impossible to verify, and those can be challenged.
We can challenge charge-offs that are inaccurate, unfair or unverifiable, and more qualify than people expect. On your free analysis we tell you honestly what we see on yours. We never claim to remove accurate, verifiable information.
Many clients see first changes within the first weeks. Timelines vary by report because we challenge the whole file at once.
No. You will know your full plan and price before you commit, and you can cancel anytime.
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