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glamchick wrote:I mailed a GW letter to Applied Bank and this is there reply:Our records indicate this account was charged off in 2006 for the amount of 1600.00 and has been settled in full Feb 2008. Your account will reflect the charged off settled in full with the above balance on your credit profile. For this reason we are unable to remove the above account.1. what does charged-off settled in full mean?2. The balance on my CR shows 0 was 1600. Paid 800. I paid the entire 1600 just over time. The last payment was 800. Can i have this corrected by using this letter?