I just recenlty applied for a car loan and was denied. Apparently my credit report has several charge offs.?
I need step by step instruction on what to do to resolve this and hopefully get it removed from my credit. These charge offs have been filed recently like in the last few months. Is it too late to get it taken off? Do i need to do a debt validation first even if i know these are my debts? How can I repair my credit from this? Many of the charge offs have been sold to a collection agency what do i do about the agencies? OR do i just deal with the orginal lenders only? HELP I am looking for the best advice to get me out of this situation as quickly as possible. Also if you can include a sample letter to write in regards to getting the charge off removed or in good standing on my credit report that will be most appreciative.