if my credit cards have been charged off my credit report, how do I get that off the report...?
79400
Call the credit card company for advice.
1160784
You can try Lexington Law Firm. They claim to specialize in this area, but as a rule the credit bureaus will tell you that No-one can remove a legitimate item from your report.
237495
First, this is to progunr.  Please point out where in the law you are referring to.  Your information is wrong.\n\nLets get one fact straight.  The credit reporting bureau reports what creditors/collection agents tell them.  If it's not accurate, it will be removed.\n\nIf the creditor tells them to remove or change an item, they will do it.  Do not believe any other crap they tell you, it's not true.  \n\nThe credit bureau will not remove any item that is true (ie, verified with the creditor).  That means that if you send the credit bureau a complaint, the bureau will contact the creditor and "verify" that the report is accurate.  If they say it's accurate, then the report will stay.  But you can place a comment in your report disputing it.  \n\nThe credit bureau does NOT investigate whether the information is actually accurate.  They only report what is told to them.\n\nTherefore, if the creditor tells the bureau that the report is not accurate, and that it should either be removed or verified, they will do it.  \n\nThe only other way to get the report changed or removed involved a lengthy process of letter writing, validation, complaints, threats, and sometimes a call from an attorney.  \n\nThat is why it's so very, VERY, important to get IN WRITING an agreement with the creditor to remove the listing once the bill is paid.  After they get the money you no longer have any leverage with them.\n\nNow...as to your question about makign them make a deal with you....\n\nWhy are you even messing with a collection agent?  Unless that agent purchased your debt outright, you have no legal obligatin to even talk to them.  So contact the original creditor and see if they want to deal with you.\n\nIf not, what is the point of paying them?  Your credit will still be ruined.  Tell them to take you to court.   If the debt is small (under $500) they probably won't go through the time and expense.  \n\nMy battle cry!  You are about to go to war!  Do not fight these guys unarmed!  Knowledge of the law is your only weapon!  Read the links below, it will show you exactly what you need to do when dealing with these guys.\n\nContact me if you need any further advice or support.
34012
If you have a charge off, you have to pay the debt.  That's the only way to get rid of it.  You can wait 7 yrs til it falls off your credit report, but you still owe the money, collectors will continue to call you.  A charge-off is a term used to explain a debt that is over 180 days past due.  If you wait for it to fall of your credit report, you also run the risk of them filing a judgement against you (which is on your credit report for 10 years!), or suing you for the money before the 7 years.  LOL at all the people who think that your debt disappears after 7 years.  That's just the limit as to how long it can hurt your credit.  You will always owe the money.\n\nThe other people who have responded have responded in a way as if the debt wasn't a valid debt.  If this debt is rightfully yours, a letter of dispute or any of the suggested things are useless.
843240
Call your credit card company and have the card cancelled. Tell them who is defrauding you.
391711
Go to the credit reporting company that has the disputed item(s).  They will have a link that says something to the effect of "something not right on your report? Click here to find out how to fix it" or dispute credit report here.  They will provide a form that you fill out and send to the reporting agency.  Or you could call the credit reporting agency and dispute it over the phone.  It's faster through the phone.  I am sure they also have an e-mail feature, also.  I know Equifax, Experian and Transunion are the three biggest agencies.
124106
If you paid with your credit card or your checking account, wouldn't you have the credit on those statements?\n\nIf they have credited you for the computer's price, then doesn't that mean that you returned it?\n\nThis is the route I would take.  If you don't have ANY information, then try reporting them to BBB (Better Business Bureau)  www.bbb.org   Big Corporations do not seem to be fond of BBB calling on your behalf.
192357
Once a bad debt (charge off) is reported to the credit reporting agency, it stays there for 7 years.  It will stay there unless the creditor tells them to remove it.\n\nTherefore, if you pay off the debt, the creditor >>>CAN<<< remove the negative report.  However, many of them will not do it unless forced to do so.\n\nOnce you have paid them off, you no longer have any leverage to force them to do anything.  Remember, collection agents don't give a darn about you, they just want their money.  \n\nThat is why it's so important to GET IN WRITING before you pay them anything that they will remove the report from your record once the debt is paid.\n\nWhy in the world would you pay them and still have a bad credit rating?  \n\nUse the sample letter below as a guide, and negotiate a settlement with them.
482749
I'd first start with disputing them with the credit agencies they're reporting to. If any come back as verified, I would then send them a debt validation letter (asking them to show you proof you owe THEM and no one else,the money for the account ), mailing it certified mail return receipt requested. If they can not validate they must remove their tradeline.
913898
Call your credit card company and reverse the charge.  They will investigate and if it's a scam as you claim it is, you should get a credit.
1021197
usually there is a phone number right on your credit card statement.  you should call them up.
211459
I don't think there is one.  Even if the report is free, they still want your credit card so they can start charging you after 30 days if you don't cancel the service.  Otherwise, why would any company want to give it to you for free?
830111
You have just stumbled into the trap that I have tried warning people about for months now!\n\nThere are only two ways to get a negative item removed from your credit history.\n\n1) The creditor must remove it\n2) The creditor fails to respond to a credit bureau investigation request.\n\nOnce you have paid the creditor, you are going to find it extremely difficult to get them to cooperate in fixing your credit.  \n\nThat is why I warn people who are going to pay off old debts...make the creditor agree IN WRITING to delete the entry once the bill has been paid off.  Don't pay them a dime unless they agree to do it.\n\nNow you are broke, and you still have bad credit.  Is that fair?\n\nAll you can do now is start the dispute process.  Note that even though you paid off this debt, the creditor is only REQUIRED to show that the debt has been paid off, but it will still show reports of late payments, charge offs and collections.  It will still be a negative report. \n\nBut it at least should show the bill is paid.  Failure of the credit to update your credit history is a violation of the Fair Credit Reporting Act.  If they don't update the listing, you can sue them for $1000 in small claims court.\n\nSend a dispute letter to both the credit bureau and the creditor.  But note that it sometimes takes a couple of months for these updates to show up on your report, so you need to be patient.
368459
Contact the credit card company, they are the one's who erroneously overcharged you.
5819
Call your credit card company.  They can look up the charge, they can tell you the name of the merchant, and they should be able to provide a phone number so you can call the merchant and find out who it is.\n\nIf you determine that the charge is not legit, then tell your credit card company that you want to dispute the charge and that it might be a fraudulent charge.  (You should investigate first...make sure it isn't from a company that you or your spouse purchase from)\n\nI've had charges show up like that and the credit card company has always helped me take care of it.
221417
Start by calling your credit card company and freezing your cards. Don't let the creeps use it any more. Also, while yo are on the phone with them, ask them to send you an Affidavit of Forgery. They will usually mail it to you in a few days. To help the police out, ask your company to tell you when and where the card has been used. Get the exact amount of the transactions and any store numbers they may have, including a batch number.\n\nNext, call the police and make a report. Make sure you give them all the data from the credit card company. Having the exact dates, times, and amounts will help them possibly catch the criminals. The problem they have is that security systems will record over their video (usually with 24-48 hours) of the crime. It had gotten much better with the advent of DVR (digital) security recordings, but they still will be erased after a while. \n\nWith all of that said, it's a crap shoot from there on out. Depnding on what the criminals did, they may have screwed up some aspect of your future credit. You need to keep you police report number handy for years to come, I'm afriad. Having a copy of your report can help doubting credit agencies.
730101
I would ethier put a stop payment for that account, or close the account all together. The transaction will appear on your statement. I would check into this right away. After you close the account, I would advise you to seek a lawer. You can take legal action againts this company. Charging without permision is called fraud. You may be able to get some of the money back if not most of it. depending on your credit card company you may be able to do a chargeback, that reverses the transaction.