Hi I'm in the state of CA a few months back my vehicle got repossessed (hardship) and I paid off the amount needed and reinstated my vehicle. I currently have my vehicle and Im making payments but the vehicle still says charged off on my credit report. It still shows payment history. Would I be able to change this charge off on my report since I technically am still paying the vehicle? I have Santander consumer USA and honestly the service has been very crappy if I had the option to go to another finance company I would but with that kind of mark on my credit I doubt I'd be able to do anything. Any help is greatly appreciated.