Charge Off Loans
Credit Solutions
Resolve Charge Off Loans and Reclaim Your Credit Health
Offered by Credit Connect Solutions Irvine, CA
A charge off is one of the most damaging entries that can appear on your credit report. If you’ve found one listed, it’s important to understand what it means, how it affects your credit, and most importantly how you can fix it. At Credit Connect Solutions, we help clients in Irvine, CA and across the U.S. navigate with personalized strategies designed to repair, resolve, and rebuild credit health legally and effectively.
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What Is a Charge Off?
A charge off occurs when a creditor writes off your account as a loss, typically after six months of non-payment. Although they remove it from their books, you are still legally responsible for the debt and the damage to your credit is already done. Worse yet, charge-offs can remain on your Credit Repair Service in Irvine for up to seven years, making them a long term obstacle to financial progress.
Discover MoreWhy Choose Credit Connect Solutions?
Based in Irvine, CA, Credit Connect Solutions delivers credit repair with transparency, professionalism, and local care. We’re not a call center we’re your credit partner, committed to helping you achieve long term success.
In-depth knowledge of California and federal credit laws
Honest, ethical service with real, lasting results
Personalized repair plans—not one-size-fits-all packages
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How Credit Connect Solutions Help You to Resolve?
We follow a clear, results driven process to address charge offs and their impact on your credit report:
Full Credit Report Review
We begin with a detailed review of your reports from Experian, Equifax, and TransUnion to locate all charge-offs and examine how they are being reported.
Dispute & Verification
If a charge-off is inaccurate, outdated, or unverifiable, we file formal disputes with both the credit bureaus and the original creditor to seek deletion or correction.
Negotiation & Pay For Delete
We can assist in negotiating a settlement or pay-for-delete agreement, where the creditor agrees to remove the account from your report in exchange for payment.
Rebuilding Strategy
Once the charge-off is resolved, we guide you through the next steps to rebuild your credit with positive trade lines, payment planning, and proven credit-building techniques.
Common Problems with Charge-Offs
Many charge-offs are inaccurate, incomplete, or improperly reported. At Credit Connect Solutions, we frequently help clients identify issues like:
• Incorrect balances
• Charge-offs reported even after full payment or settlement
• Double reporting by both the original creditor and a collection agency
• Accounts reported past the legal reporting limit
• Lack of verification or validation of the debt
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