Requesting a free credit report by mail is fairly simple. You need to download a request form from one of the various reporting bureaus, print and complete the form, then send it off. It should take about 2-3 weeks to receive your credit report this way.
Addresses for the three credit bureaus are:
You can also request a cohesive report that includes information from all three bureaus from annualcreditreport.com. Their address is:
Removing Charge Offs From Credit Report
A charge off happens when your creditor declares your account a loss. After 180 days of not making the minimum payment on your account, the bank can declare a charge off so that your account can be documented as a loss for the company. However, this doesn’t mean you’re forgiven of the debt. They will still expect you to pay the debt, and you can expect them to make repeated attempts to collect it.