HOW TO DELETE EVERY CHARGE-OFF FROM YOUR CREDIT REPORT *

I currently have one charge off. I’m a victim of familiar fraud.

The police,
FTC/BBB & Office Comptroller of Currency are all involved paper work was sent to them (Credit One Bank) and they literally refuse to take it off and now it’s saying :

“Charged off as bad debt Profit and loss write-off In Collections/Charge-off.”

I’ve never encountered such an insane cc company. Credit One Bank is the devil. Omg. They hang up, don’t give names, can’t fax or email.

The rest of my debt is paid off. It’s just this.

Can you filed this on your taxes if you been garnished and it showing charge off

dashie xp?

WHO is the actual CREDITOR?

@MikeTheCreditGuy I recently found out that change on my CC that don't remember use, 0 usages for many months before that change and build up addon fees for like 6 months. I found of this late payment accidentally when I was looking through my account on credit karma. Does these steps you mention will work for my situation I never make a payment to CC.

Thank you so very much! @MikeTheCreditGuy I was put in a very bad lemon. I bought a used Tesla at the beginning of the year. The charging port was defecto from the beginning. The car was bought as is. The manufacturer warranty ran out a while ago. The dealership I bought the car from KEPT telling me that the reason I couldn’t supercharge the car was because Tesla hadn’t transferred ownership yet. It took roughly 2 weeks before I was able to even have access to the app. I finally took the car to a Tesla dealership and they told me that the owner before me bought the car at an auction so Tesla turned off the supercharging feature. I would have to change the charge port which cost over 3 grand. Not able to supercharge really affected my earnings and I fell behind on payments plus I was also facing hardships. I even tried calling the creditors to try to work something out with them and they said I had to pay dang near the full amount. I answered the courts but they said that the lenders would need to setup a date which they never did. I called them again to see if they had a hardship program where I could setup a payment arrangement and they told me that the car was charged off. They WOULD not work with me no matter what I tried. The dealership sold me a used broken car. Lemon laws don’t work in my case because it’s only for new cars. I was really just stuck with nowhere to go. I prayed and stumbled upon your video. I will follow your steps and reach out to your team soon. Thank you again and God bless you for helping those of us in these bad situations!!🙏🙏🙏🙏🙏🙏

Is it too late to use your program if I had used Credit Karma previous before I knew about challenging the charge off Credit Karma?

Hey Mike what if i settled for less on my charge off accounts what would i do ?

Thanks!

What about your version on pay to delete?

I read about the 1099 but really did not pay any attention to it, but seriously will research it. thanks

So much of the stuff up here that people tell you is garbage and when you go look it up, they dont tell you the whole trust. You cant get just anything deleted. Charge off's and collections have to be a certain way. tell these people to go research it their self,

When I asked for the 1099 letter they said they only closed the account.

quick question does this method still apply if the collection is on my credit report under individual responsibility but does not say it has been a charge off ?

If you get a 1099 then you pay taxes on that amount that is charged off.

If it been report to the bureaus as a charged off/ profit loss and didn’t get a 1099 and also should it be removed from the credit bureaus and if so how long?