Can credit repair remove a charge off from my credit report?
If the charged off account is past the reporting period limit credit repair should be used to remove the expired account.
The Collector Game
Charged off accounts present other credit repair challenges aside from the original creditor account. Once an account is charged off it is usually sold to a collector. If the collector is not able to collect they will often re-sell the account to another collector, and the next collector may do the same, and so on.
Once a collector has sold an account they are supposed to remove the account from your credit report. In a significant number of cases this does not happen. There is no incentive to encourage compliance, nor punishment for letting the account linger. As a result, credit repair is often the only solution. If you don’t become proactive these issues can drag on for years and continue to depress your valuable credit scores.