We never use illegal methods. In fact, the law is on our side and we use it to remove negative accounts legally.
To remove charge off accounts from your reports, dispute the accounts with the credit bureaus by sending them a dispute letter.
You will also want to send the collection agencies debt validation letters. This whole process is explained more in depth here:
Introduction to Credit Repair
It may take some time, but it's definitely worth it! I raised my scores over 200 points a piece and have gotten almost every loan I've applied for...so believe me, it works! I've also gotten my bankruptcy permanently removed from 2 out of the 3 credit reporting agencies. I filed bk 2 years ago.
