https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/charge-off/m-p/235719#M2841 <DIV>If it was paid, it should be closed, but they may refer to it as paid in settlement/less than full balance, etc.&nbsp; It should, however, show a zero balance.&nbsp; You can dispute through the CRA that it should be closed, and you might try a GW to the CA.</DIV> Mon, 12 May 2008 06:23:29 GMT dragnldy 2008-05-12T06:23:29Z https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/charge-off/m-p/235279#M2737 <DIV>If you pd a charge off as a settlement should it still report as open also by paying a charge off what could be course of action as it reads balance $0 bad/debt collection. This was 1st Prem. thnanks</DIV> Sun, 11 May 2008 16:10:19 GMT https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/charge-off/m-p/235279#M2737 boosie1979 2008-05-11T16:10:19Z https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/charge-off/m-p/235719#M2841 <DIV>If it was paid, it should be closed, but they may refer to it as paid in settlement/less than full balance, etc.&nbsp; It should, however, show a zero balance.&nbsp; You can dispute through the CRA that it should be closed, and you might try a GW to the CA.</DIV> Mon, 12 May 2008 06:23:29 GMT https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/charge-off/m-p/235719#M2841 dragnldy 2008-05-12T06:23:29Z https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/charge-off/m-p/235775#M2847 <DIV>Is this with the OC or CA reporting?</DIV><DIV>&nbsp;</DIV><DIV>If it isn't showing a $0 balance, you can dispute as "paid/closed $0 balance" but you should be aware before disputing this that if it is closed the lender may or may not respond to the dispute. If they do not, it could be deleted. If this is an account that may be helping(age of the account) then you might experience a score decrease.</DIV> Mon, 12 May 2008 12:58:26 GMT https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/charge-off/m-p/235775#M2847 Anonymous 2008-05-12T12:58:26Z