How do I challenge a charge-off on my credit report?

If you have a charge-off on your credit report from a company in New Mexico, you have the right to challenge the charge-off and have it removed. In New Mexico, the Consumer Debt Defense Law provides you with the right to dispute any charges on your credit report. If you would like to challenge a charge-off, you need to contact the credit bureau that is reporting it to request a copy of your credit report, for free. Once you have obtained your credit report, you can review it for any inaccuracies and identify the charge-off that you are wanting to dispute. Once you have identified the charge-off on your credit report, you should contact the company that issued the charge-off to request proof of its validity. Any proof that you can gather from the company, such as a bill of sale or invoice, should be sent to the credit bureau in dispute of the charge-off. Once the credit bureau has received your dispute and any supporting evidence, they will investigate the charge-off and any information provided by the company charging off the debt. The credit bureau will then issue a response on the validity of the charge-off. If they find that the charge-off is incorrect or otherwise invalid, they will remove the charge-off from your credit report. If the credit bureau does not agree with your dispute, it is also beneficial to reach out to a consumer debt defense attorney in New Mexico to investigate your case further and help protect your rights as a consumer.

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How do I challenge a charge-off on my credit report?

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