The charge-off, once reported, will remain in your CR for up to 7 years plus 180 days from the date of first delinquency (DOFD) that preceded the charge-off.
To obtain deletion now would require voluntary deletion by the creditor.
I would call the creditor and plead your case for a GW deletion of that reporting.
Reporting of a charge-off is, in essence, the placing in your file of a statement that the creditor does not expect you to pay the debt.
Having now established a schedule and begun payments, I would plead that the statement that you are not going to pay the debt is clearly not representatibe of you as a consumer, as you have demonstrated your commitment to pay.
They may still balk at deletion, or of deletion prior to your having paid the entire delinquenct debt, but it si worth a shot, and the logic has merit.
