I have been disabled since 1998 and applied for SSD in 2001. I was denied in 2005 and unfortunately reapplied (due to Lawyer) and was finally approved in 2007. I was given retro benefits back to 2005 only because my lawyer didn't have me appeal, instead had me refile. I had to file bankruptcy in 2003 and that will be off my credit report this July. How do I get off the accounts that were "Charged Off" that I was unable to pay because of limited income? The dates are from 2008-2010 and they say won't be removed until approx. 2014-2019. Is there any way to get them off sooner?
I agree with the others. I also would ask this - why does it matter to you that they are there? Any future credit and lending decisions will be based not only on your credit score, but also on your income and ability to repay. If your incom is low and you were unable to pay previous debts it sounds as though incurring new debts may not be the best option for you to move forward.