Old charge offs and stuff

[hippiesj]

Hi

Can I get some guidance on how to remove some old paid off charge offs from my CRs?

-CAP 1 paid charge off in 2016

-CAP 1 paid  charge off closed in 2015 

-Santander paid charge off in 2017

-An old student loan  that was 120 days late that was closed to transfer in 12/17

Covid hit me hard so I have tons of charge offs and collections for other accounts that are recent that I know I won't be able to do anything with

Any advise would be greatly appreciated

Thank you 

 

 

[legaleagle2012]

The time to negotiate tradelines was BEFORE you paid those off. Now you have no leverage. As long as they are reporting correctly, they can stay.