Charges off

[Lalap.]

Hi I have 3 charge offs and a repo car I payed the charge offs and would like to deleted them I just got carry away when I first got credit at the age of 19 and now I know how bad I need to have good credit I tryed to dispute these items online with experian but no luck. I'm 23 and want to buy a home for my kids and can't cause of bad credit how can I fix these problems. Please I need advise to deleted my charge offs and build my credit score.

thanks lala

[Trish]

This would be a good place to start reading....
Introduction to Credit Repair

It might be difficult but not impossible. Disputing is one way of tackling a TL.......but have you opted out? updated all personal info?

After that, carefully look at ANY errors in the way the TLs are reporting and dispute as such.......if no luck, then you will need to start dealing directly with the OC to see if there is any way to persuade them to delete it.