I agree it hurts my credit, regardless of the score. Even if I don't gain any scoring advantage by having them remove the comments, I still want them gone. Especially since it's simply not true. It WAS considered a charge-off and settled for less than full balance 2 years ago. However, they agreed to remove the charge-off status if I paid the balance 2 weeks ago. I paid the balance, they changed the status but left comments stating it was settled for less than full balance.