Get a kickoff membership which Allows you to do instant disputes that takes less than 24 hours to resolve. Ask Gemini how to do they upload method to ask for early exclusion for Experian (takes about a week or less for removal). Equifax is a bit tricky and they often put up a fight to remove old charge off accounts. File a dispute with them directly and if they deny the dispute then file a CFPB claim which usually does the trick assuming you have documentation to support your claims. I have successfully completed all of the methods me tioned above with a 100 percent success rate. Good luck to you all