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today weamp;#39;re going to talk about charge offs and how you can get them removed from your credit report first letamp;#39;s quickly go over what a charge off is a charge off happens when you havenamp;#39;t paid a debt for a long time the Creditor writes it off as a loss which damages your credit score itamp;#39;s like a big red mark on your credit report and it can make getting new credit really hard charge offs are very harmful to your credit score they show lenders that you havenamp;#39;t paid your debts which makes them hesitant to want to lend you money in the future removing a charge off can improve your credit score making it easier to to get loans credit cards and even better interest rates hereamp;#39;s a step-by-step guide to removing a charge off first get your credit report from all three credit bureaus Equifax Experian and Transunion and you can get a free copy once a week from annualcreditreport.com you want to look at the account with the charge off very carefull
