C.H.E.S.S Strategix
Remove a Charge-Off from Your Credit Report
A charge-off doesn't mean the debt is gone — it means the creditor wrote it off as a loss. It still reports for 7 years and tanks your score. Here's how we delete them.
No credit card required. Founder-led service since 2018.
What you get
Step 1 — Audit the reporting
Charge-offs are frequently reported inconsistently across bureaus. Inconsistency = mandatory deletion.
Step 2 — §623 furnisher dispute
Force the original creditor to prove the charge-off amount, date, and balance to the penny.
Step 3 — Negotiate
If the debt is still owed, settle for 25–40% with a written deletion agreement before paying.
Sold-debt strategy
When the debt was sold, the original creditor and the buyer often both report it — double-reporting is a removal trigger.
Clients who moved their score
"47 points in 60 days. Three collections gone in the first round."
"Got my mortgage approved at 5.9% instead of 7.4%. Saved more than I'll ever pay them."
"Removed a charge-off the bureau swore was verified twice. The 609 + furnisher combo is real."
Frequently asked
- Can a paid charge-off be removed?
- Yes — paid charge-offs are easier to dispute because the original creditor often won't bother verifying after they've been made whole.
- Will paying a charge-off raise my score?
- Under FICO 8, paying doesn't help much. Removing it does. We push for deletion, not just payment.
- How long does a charge-off stay on your report?
- Seven years from the original delinquency date. Re-aging it (updating the date) is illegal under FCRA.