DW had an account that was charged off due to ex husband stopped paying. It was a joint account that she did not use and balance was ALL the exhusbands. She closed the account to get him to stop using it and he stopped paying on it as well. He finally paid it off in September. The account was maxed out at the time of closure and stayed that way until it was paid off Balance $19K/ CL $20K.
FICO 8 at time of account closure EX 802, EQ 798, TU 794.
FICO 8 30 Days Late EX 720, EQ 718, TU 730
FICO 8 60 Days Late Did not pull scores
FICO 8 90 Days Late EX 651, EQ 657, TU 655
FICO 8 120 Day Late/CO EX 651, EQ 658, TU 654 - I am suprised at the lack of change with the CO.
FICO 8 Account Pd to $0 EX 725, EQ 702, TU 723 - only additonal change is a new AU account reporting.
Prior to this all reports were clean.
If it was finally paid off in September give it some time and her info should pop up more 
