Credit card charge off

[Anonymous]

I paid off my credit card but it just says charge-off. I thought it was supposed to say paid in full,charge-off on my credit report. Is this an error i can dispute? It shows that there is a zero balance but is just says charge-off not paid in full.

[JoshNurse]

---

@Anonymous wrote:

I paid off my credit card but it just says charge-off. I thought it was supposed to say paid in full,charge-off on my credit report. Is this an error i can dispute? It shows that there is a zero balance but is just says charge-off not paid in full.

---

To remove a charge-off, you should contact the original creditor to start negotiating removal of the charge-off. You want to convince the creditor to remove the charge-off from your credit report because you have already paid in full.

Even if paid in full it will show on your credit report for 7 years. I would send a letter to them and hopefully they can remove it from your credit report all together.

[Creditaddict]

Yes, Dispute as Paid in Full

[Anonymous]

You need to dispute this because it makes your score go down

[tntexans72]

Did you pay the credit card company or did you pay the collection agency? 

[Anonymous]

I paid the collection company.

[Anonymous]

---

@Anonymous wrote:

I paid the collection company.

---

Did you receive a payoff letter from the collector?   Is the collector reporting it as paid on the collection that is on your 3 reports?