How can you eliminate a charge off account that ev

Any negative item will remain on your credit report for 7 years, though you've paid off that account in full. However, you may send a goodwill letter to your collection agency and request the debt collector to remove the negative listings out of goodwill. However, it will depend upon the discretion of the debt collector whether or not he will consider your request. [URL="http://www.debtconsolidationcare.com/forums/showthread.php?t=122313"][/URL]

Paying debt does not remove the prior reporting of delinquencies and derogs that occured along the way. A charge-off remains, unless GW deletion is obtained, for 7 years plus 180-days from the DOFD on the OC account.
You would not send a GW letter to the debt collector. They are not the party who reported the charge-off, and have no authority to delete the reporting of another. Any GW letter would have to be sent to the OC.

The only other way to get a charge-off deleted is to go back and dispute the validity of the charge-off itself. A CO is an internal bookeeping measure taken by the OC, and the only real way to dispute it is to assert that the account was not delinquent at the time of their charge-off. It the account was delinquent, then they were permitted to write it off as uncollectible bad debt. The debt collector had absolutely no involvement in that internal business decision by the OC.