High school teacher, age 46 · Houston, TX · 7 months
Houston Teacher Deleted 3 Charge-Offs and Restored 100% Payment History
Three charge-offs from a 2022 income disruption deleted via furnisher disputes and METRO 2 challenges, restoring perfect payment history.
Charge-offs
30
Payment history
82%100%
Mid-score
587682
Challenge
Three credit-card charge-offs totaling $9,800 from a 2022 income gap. Each item showed inconsistent date-of-first-delinquency reporting across bureaus.
Approach
- 01Identified date-of-first-delinquency mismatches between Equifax, Experian, and TransUnion.
- 02Filed direct-to-furnisher disputes under FCRA §623 citing METRO 2 inaccuracies.
- 03Escalated to bureau-level disputes when furnishers did not respond within 30 days.
- 04Added two new positive tradelines during dispute cycles to offset AAoA impact.
Outcome
All 3 charge-offs deleted. Payment history restored to 100%. Score moved 587 → 682.
FAQs
Can a paid charge-off be removed?
Yes — payment doesn't automatically remove the tradeline, but inaccuracies in reporting can be disputed regardless of paid status.
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