Charge-off posts
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Charge-Off Dispute Letter Template (FCRA §611)
A charge-off tradeline often contains specific inaccuracies — wrong date of first delinquency, incorrect balance after sale, status still showing "balance due" after collection assignment. The charge-off dispute letter under §611 targets those specific errors, not the existence of the charge-off itself.
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Re-aging Dispute Letter Template (FCRA §605)
Re-aging is when a furnisher (illegally) updates the "date of first delinquency" on a tradeline, extending the 7-year reporting window. Common with debts sold across multiple collectors. The re-aging dispute letter under FCRA §605 forces the furnisher and bureau to correct the DOFD.
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