So... a local CU that I have an old Auto loan with will not delete. -____-
"Deletion is not an option" is what I received in a emails from a Rep, a Senior Rep, the Supervisor, the Branch manager, AND the President. (LOL!) They also will not adjust. The account is paid & closed, but have 6 late payments from 2009.
It will only report as "Paid in full Charge Off” .. DofD is June 2009. Ugh !! It looks like I still have years left with this baddie.
At least they are only reporting to Experian. Looks like I'll only be apping for cards/ accts that pull TU or EQ in the future. 
Starting Score: 526 EXP 09/2012 600 FICO 10/2012 608 EX (lenderpull)11/2012 
That sucks. I had credit line with my checking acct with mult lates back in 08-09, filed dispute online from all 3 CR's and they all deleted the acct itself instead of the line. I'll take that though since it gave me a 9 pts increased. Maybe try that route?
Starting Score: 2/22/12: EQ 530, TU 553, EX 528(lender). 12/4/12 (rebuilding starts)= EQ 599.Well, Idk how I feel about disputing a debt that was mine. There is nothing wrong on the account as of now - it used to say that $3929 was charged off, but I have no record of that. it was paid in full, so I dispouted the amount. They just updated the info and it's correct....
Besids that though, I'm just worried that if I dispute, they will verify and then it will stay on my CR as disputed, but that doesn't look good for manual deletion. :-/
Hmm, mine was just lates so I disputed as never late in all three CR and instead of updating the lates stat they just deleted the acct. Yours being a chargeoff might not work.