Written off

Resolve Written-Off Accounts and Repair Your Credit Profile

A “Written Off” status on your credit report means a lender has declared your loan or credit card debt as unrecoverable and closed it in their books. While this doesn’t erase the debt, it signals serious credit trouble to future lenders — even if you’ve already made efforts to repay or settle the amount.

At Digital Credit Solution, we help you analyze, dispute, and correct written-off entries on your credit report, especially if they are outdated, incorrect, or have already been settled.

What Does “Written Off” Mean?

When an account is marked “written off,” it typically means:

  • The lender didn’t receive payments for 180+ days
  • The account is closed from the lender’s side
  • The outstanding amount may still be legally recoverable
  • Your credit score is significantly affected

Why It’s Critical to Address:

  • Severely lowers your credit score
  • Reduces your chances of getting future loans, credit cards, or mortgages
  • May continue to appear on your credit report for up to 7 years
  • Can lead to legal action or third-party recovery efforts

How We Help:

  • Credit Report Review – Identify and evaluate written-off accounts.
  • Settlement Verification – Check if the debt was paid or settled post write-off.
  • Document Collection – Help gather payment receipts, NOCs, and settlement letters.
  • Raise Disputes – File corrections or update requests with credit bureaus and lenders.
  • Track Updates – Ensure the written-off status is corrected or updated to “settled” or “closed,” where applicable.

At Digital Credit Solution, we understand the long-term impact a written-off account can have on your financial future. Our goal is to help you rectify reporting errors, settle outstanding issues, and rebuild a clean credit history.

Ready to fix your credit? Contact us today and take the first step toward financial freedom.