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Hi, I have 4 charge - offs, 3 of them are Auto Financing. The cars were never repossessed but the loans went into default or charged-off. What is the best dispute letter to get these charge offs removed. 1 of them had a bad transmission and unrepairable, and the Original Creditor is still reporting this as a missed payments monthly. I am not sure about the SOL, so I need to be careful about restarting the dates of delinquency. Thanks for your help. zjb