getting something removed

[granny031350]

I have an old credit card that was charged off.  Never sold to a collection agency (credit union)  should the balance report as 0 since it was charged off or should the old balance still appear on the cr?

[Anonymous]

It will report the balance and it will also be part of your utilization

[RonM21]

If it was charged off, initially the balance at that time should report. I would try to get that balance paid off though. As noted in the post above, it can still effect your utilization.