Find the best financial services for you at: SMARTFINANCESOLUTIONS.NET - How does disputing a charge off on credit report help credit? - I Just recently went through a bad divorce. My husband abondoned me and our three children. He also maxed out several of my credit cards. I disputed the items on my credit report as unauthorized charges and my account and stated why. Will this help me on my credit score. Is there any other options out there for me other than bankruptcy or consolidation. My credit score went from good to poor this past year due to these credit cards being charge offs. I cant afford the payments on them. Thanks for any advise or info~ -