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So as long as the 90 day late reported prior to your payment then it is OK. If you look at your 7-yr history, all of the lates, with the worst being 90 days, will continue to report for the full 7 yrs.
Send them a GW asking for some goodwill in deleting it early.
Ah, got it. Do you have proof of payment from 2006? At the time of your payment, what was the status of the account? Was it current? Already charged-off?
A charge if is a totally distinct derog from prior monthly reporting by the OC, and falls off differently.
30/60/90+ delinquencies each drop at 7 years from their individual date.
The additional charge off remains for 7 1/2 years from the DOFD on the account, which in your case is probably the 30-day late.
Accounts dont drop, only the indiv derogs drop off, each at its own separate time.
Paqying them wont affect your FICO score unless you get a prior agreement from the OC to delete the reporting in exchange for recepit of payment. All you can do is ask.