How do you dispute a chargeoff account that the creditor refused to validate?
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Technically this should be very easy. Write a letter to the (3) credit reporting agencies stateing that this information is/may not be accurate. They will then request that the creditor verify the information. If the creditor does not respond in 30 days then the entry should be removed. That's the way the law is written, though some credit agencies will give more time to the creditors before removing.

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First answer by Elphinstone Birch. Last edit by Robi1. Contributor trust: 147 [recommend contributor]. Question popularity: 109 [recommend question]

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