Hello, Does anyone know how you would go about deleting paid/charge off/collection accounts from your credit report? These are accounts from USA Funds that I no longer owe on. They've been completely paid off, but show as "paid-charge off" on my report. Even though the balance is 0, the fact that they are listed as "paid-charge off" accounts in seriously afecting my score. How difficult is it to have these accounts deleted? Should I get help from some place like Lexington, or should I do it myself? and if I can do it myself, how would I? Any advice would be greatly appreciated. Thanks.
search through the Unofficial FAQ's thread that is listed at top of first post. There are several examples of letters successfully used by CreditNetters in getting paid charge offs deleted. All the associated threads are included. Explains the rationale for using the approaches listed in the posts.
