How to Remove a Charge-Off the Smart Way If a charge-off is reporting WITHOUT an account number or has missing/inaccurate payment history — it’s a violation. How can you verify something that’s not fully identified? Here’s what I said in my dispute: “No account number? No valid history? Then you can’t prove it’s mine. Investigate it properly or remove it immediately.” Pro tip: If they stall or send generic responses, escalate it — I’m talking Attorney General, CFPB, and FTC level. Watch this vid
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