I was learning to remove charge-offs. This info really encouraged me with my bad credit. These guys also do a great job of instructing how to remove a charge-off from your credit file. I really thought that you had to wait around six years for it to drop off but I guess that is not right. I bet it is less work to just pay someone to dispute a charge-off but they also explain how to take care of it yourself.
Pligg is an open source content management system that lets you easily create your own social network.