I have a question. I have an old charged off bill on my report - it will drop off in a couple of months. Am I better off just waiting for it to drop off? I never really looked at my credit report until now - and now that I've seen it - most things that are bad are really close to dropping off. I can live without buying things until those things drop off - Anyone have any advice for me? All of my things going on now are positive things - back then, I was in my 20's and very naive!
If most of your derogs are within a few months of falling off, you can try sending a dispute as "obsolete - please delete". They usually will remove them a couple months ahead of time.
