Pre-Charge Off vs. Charge Off

[Talco850]

Hello All,

Can anyone tell me the difference between pre-charge off and charge off accounts and what my options might be? I currently have a citicard that is with Alliance One in a 'pre-charge off' state. Is there anything that I can do to get this back into Citicards hands? I've been paying every month with on a payment plan I worked out with Alliance One. Citibank is currently reporting my account as delinquent over 150+ days on my CR. Can anyone help me with options to pay this down???

[Shogun]

The fact that it's reporting 150days past due is a major derog and would impact the score same as a CO.

[Talco850]

Is there any option for getting this account back in the hands of citi?  Since it's in pre charge off status...I'm trying to get it back with citi because then I can try to work with them in getting the derog from not being reported. At least that's what I'm thinking