How to get medical charge offs removed from credit report?

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How to get medical charge offs removed from credit report?

Postby randeman » Fri Jul 13, 2012 9:41 am

A good friend of mine has a couple of charge offs due to a medical issue that he could not pay because he was unemployed. He is now in the process of paying them off. Obviously they have had a big impact on his credit score.

Does anyone have any experience with having them removed from reports once they are paid off? I know that technically they could stay on his report for seven years, even if paid off, but I have also heard that collection agencies have removed them once paid and I have heard that you can request that they be removed once paid and be successful.

Cards and Credit lines Acquired:

Escape by Discover (7.75K), Barclay Holland America Visa (7K), Macy's store card (7K), Bloomingdale's store card (2.6K), Citi Custom Credit Line (3.5K), PayPal Smart Connect credit line (2.7K), Chase Freedom Visa (5K), Chase United MileagePlus Visa (5K), Chase Sapphire Preferred Visa (6K), Amazon store card (2.2K), Lord & Taylor store card (550), Nordstrom store card (1500), Gold Delta SkyMiles from American Express (3K), Discover It (6.5K), PayPal Credit Line (1K).

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