1. What is a charge-off and do I have to pay the people back? Would it even help my credit to do so? 2.Could you actually sue these creditors for all these inaccuracies? 3. How long do I have to wait for an account to be verified? It has been 90+ days and they still have not given me a payment history. 4. Is there anyone here that has actually fought this system and won? I mean, I want to own a house some day!