Question about Pays as Agreed on a Charge Off account

[Anonymous]

Any help would be greatly appreciated...

Q: I have a delinquent Citi Visa listed on the reports as a Charge-Off, although I've had a payment arrangement in effect for the last 5 months.  Should I request that it be changed to a 'Pays as agreed'?  Will it make a difference for the score?

Thanx!

[Boswd]

Once it's charged off it's charged off.  The payments you are making are the amount that went delquinent.  You aren't current.  Once it's paid off it should reflect that.

[fused]

Once the CO is paid in full and reports as such, your scores might improve some.