I'm new to the forum and have been in the process of repairing my credit for about a year (500 > 640). The main blemish on my credit is a charge off for a Wells Fargo Auto Loan in the amount of $734. Unfortunately, I paid the balance in full a few days after the CO date, which was incorrectly communicated to me before hand. I was involved in an auto accident on a newer loan, and didn't have GAP insurance. Out of work for a few months, and making the remainining few thousand in payments was a challenge. Not making that mistake again. Anyways, wondering if anybody has had luck with asking Wells Fargo for a good-faith removal of the charge off? On my credit, it currently shows as Paid in Full, Closed, Charge Off. I think this charge off continues to hold me back as far as making real strides on my credit repair. With that said, not expecting a miracle and know there's a high chance it's there to stay. Thanks in advance.
