I presume the question is regarding the comment about the high credit field being the charge off amount. The comment is unique to Equifax. There are three fields that can be or are reported to the bureau(s). The fields are credit limit, high balance and high credit. The first one is obvious as to what it is. The second one is the highest balance ever reached on that account in its histroy. The high credit field is the high of the high balance and the credit limit. These fields are a little more meanning as they would relate to a credit card. In your case, if the credit report shows the high credit field that amount is what the creditor charged off. The balance not being zero means one the trade line has not updated since you made the payment. Two if has updated the balance amount needs to be corrected. Call the creditor and work them if they does not work dispute it with credit bureau(s) showing using the copy of the check as proof.
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