Difference Between Charge-off & Collection on a Credit Report



Today we’re talking about how to tell the difference between charge-off and collection on a credit report so that you can dispute it the right way and use a dispute letter strategy that gets results. If you would rather have me do this for you, schedule your call with me at and we’ll see if a credit sweep would be a good fit!

Bottom line to this video:
You cannot dispute a charge-off the same way that you would dispute a collection so you need to take a look at the account type on the credit report and create your action plan accordingly.

If the account type says “collection/charge-off” or any variation of this, it means that the account is a CHARGE-OFF, and it needs to be disputed as such.

Referenced videos:
AJERO formula

Playlists:
Removing charge-offs:
FAQ Series:
All videos on charge-offs:
All videos on collections:

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