Charge Off Dispute R2

In Round 2 of a charge-off dispute, the focus is on following up with the credit bureaus if the initial dispute didn’t resolve the issue. This round emphasizes requesting a more thorough investigation and demands that the creditor provides proper documentation verifying the debt. If the creditor fails to validate the charge-off with accurate records, you can request its removal from your credit report under your rights granted by the Fair Credit Reporting Act (FCRA). This step reinforces your stance and pushes for a clearer and more accurate credit history.