Reporting a charge-off is placing of record in your file of their accounting determination that you are not going to pay the debt.
It has, in their opinion, become an uncollectible receivable asset.
Have you paid the debt? That is the first step. Once paid, you can request deletion of that reporting on the grounds that payment of the debt now shows that you do, in fact, meet your debt obligations. Hopefully they will see that as basis for a good-will deletion of the OC.
If already paid, make the same GW request.... that deletion would more properly reflect that you, as a consumer, do pay your debt.
