How do you get a charged-off credit card off your credit report?
Sophia Koch
Updated on February 19, 2026
Here are 3 proven methods to remove a charge-off from your credit report:
- Negotiate A “Pay for Delete” & Pay The Creditor To Delete The Charge-Off.
- Use The Advanced Method To Dispute The Charge-Off.
- Have A Professional Remove The Charge-Off.
Does charged-off debt go away?
A charge-off in no way erases the debt that you owe. It still exists, and you’re still liable for it. The creditor or a debt collection agency can also still attempt to collect on a charged-off debt.
How long does a credit card charge off stay on your credit report?
While it isn’t possible to say exactly how a charge-off will affect your credit report or how your credit will be viewed by other creditors, a charge-off will generally stay on your credit report for up to 7 years. The exact impact of how that affects your credit score depends on other factors beyond just a credit card charge-off.
How long does derogatory credit remain on your credit report?
Details of derogatory credit activity remain on file for up to seven years. However, the credit card company itself can keep records on account activity for longer than seven years. If your delinquent debt no longer shows up on your credit report, do not assume the credit card company has deleted all records of it.
Can a credit bureau leave a charge off on your credit report?
A credit bureau can only leave a charge-off on your credit report for seven years when it follows the rules. If the account contains incorrect information (e.g., wrong dates, wrong balance details, etc.) or if anything about the account looks suspicious, you can ask a credit bureau to investigate.
How can I check my credit after a credit card charge off?
The exact impact of how that affects your credit score depends on other factors beyond just a credit card charge-off. Keep an eye on your credit report to track your status and check for errors. You can get free copies of your credit reports from each of the three major credit bureaus by visiting AnnualCreditReport.com.
