VERIFIED GUIDANCECharge-off review

Separate the account history from the reporting question

A charge-off label does not answer whether every reported detail is accurate. Review the facts before taking action.

What the credit review looks at

The goal is to turn a broad concern into a clear factual question. These are the first details to organize:

01

Account ownership and reporting company

Record what is shown, what you believe is wrong and what document may support that position.

02

Balance, status and date details

Record what is shown, what you believe is wrong and what document may support that position.

03

Possible duplicate reporting

Record what is shown, what you believe is wrong and what document may support that position.

04

Documents that support or conflict with the report

Record what is shown, what you believe is wrong and what document may support that position.

What this does not promise

No deletion, score or approval outcome is guaranteed.

The next documented step

Use the Position Scan to name the report, the item and the reason for concern. Do not send passwords, Social Security numbers, complete account numbers or government-ID images through the public form.