I have a charge off on my CR from First Premier Bank. I got my check on Friday and have the extra money to pay it off ($239.22). :D It is with a CA right now and that is who I made the check out to. I called them yesterday to get the payoff address and asked the lady about reporting it to the credit bureaus and she said that they didn't report, F.P. would report it. When they get the check for the payoff in full, (no settlement, paid balance in full), how will it appear/change on my CR?? Since it will have a $0 balance, will it still report charge off??