A charge-off occurs when a creditor decides they cannot collect payment and writes it off as a business loss. But:
It still stays on your credit report for up to 7 years.
It hurts your score even if you pay it.
Many charge-offs are reported incorrectly (dates, balances, statuses).
How DIY Credit helps:
Review for errors (dates, statuses, balances).
Write powerful dispute letters targeting inaccuracies.
Escalate through our Smart Credit Algorithm for higher deletion chances.
Involve legal partners if violations are uncovered.
Coach you on whether paying is beneficial—since in many cases, paying a charge-off does not raise your score.
With the right strategy, members often see charge-offs deleted or neutralized as part of their Credit Mastery journey.
Ready to stop guessing and start winning with your credit?
Check out our Premium Credit Mastery Membership—it’s where the real glow-ups happen.
Take a peek inside →
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