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This tutorial discusses how to delete a charge-off from a credit report. It clarifies that a charge-off is not considered debt, despite common perceptions— the IRS views it as gross or ordinary income. The speaker emphasizes the unfairness of this portrayal and explains that consumers can leverage the law to remove such items. Specifically, 15 USC 1681 addresses the accuracy and fairness of credit reporting, stating that information reported must be accurate. The law provides a framework for investigating and evaluating consumer credit information, underscoring that any inaccuracies in reporting are grounds for deletion.
