Paying on a charge off account, credit report advice needed.

Are you getting any receipts from the attorney's office after making the payments? You need to make sure that your money is getting credited on your account and the balance is coming down. This will certainly improve your scores after they are paid off.

I send a check monthly, and I mail it several days before it is due. I also send EACH check certified mail to prove I sent it!

It will be good for you to get the receipt from the attorney after they credit the payment to your account. The receipt of the letter is a good proof but you need to have some kind of document from them also. You should give them a call and ask for the papers. I don't think they should have problems in giving it to you.

In my opinion you should talk to the attorney regarding the receipt of the payment you have made. If your credit report does not include the details of the payments made by you, then in a way it will hamper your credit score. Your payment history plays a vital role in determining your credit score, thus have a word with the attorney who is representing the credit card company regarding updating the information in your credit report.

A charged off account will not have recent positive payment history because the account is closed. If the attorney does not have his own account on your credit report,you will want receipts from him so when it is paid in full you can contact creditor to update the account.