Charge off in the credit report

Charge off is a accounting term used by a creditor. They are basically saying they cannot collect from you and are claiming a business loss on your account.You still will owe the debt. Whether bill is paid or not,negative information that is accurately reported will remain 7 years from date of first delinquency.

Charge off debts is those kinds of debts when the creditor thinks it uncollectible from the borrower. They usually pass on these files to the outside collection agencies or sell it for pennies on dollars. The debt will still remain valid and collectible.
After the bill is paid off, the item will show as "paid charged off"

once you have came to a settlement agreement on a account ---and you have paid it off, how can I have my status to reflex---paid!!! instill of the word SETTLED and including the number of day that I was late

Linn,
If the account was settled that is how it is supposed to read. Perhaps you can ask who you paid to change it to what you want it to read.It would be done by them as a courtesy.

I was listed as a user ON my wifes credit card but never used it. It was listed on my credit report, how do I get it off ?

bradford contact the original creditor to ask for authorized user status to be removed and updated to bureau reports.