You can’t remove the charge off from the report.. If the debt is recent, then you should pay it off. It will stay on your report till 7 years of the last payment you made to that debt. Example: If you pay the debt off in 12/07, it will stay there till 12/2014. It will say on your credit report as “PAID COLLECTION”. In a way, when you apply for credit, lenders will see that you are trying to pay off your debt. If the debt is over 5 years old, then you should of waited for the 7 year rule and let it drop from your report. And if it is an old debt, there might be a possibly that it negatively affect your score temporary when you try to pay it off…

Credit reports are credit history. The charge off is part of your history.

The point of paying off something you owe is so you won’t be a thief, which you are until it’s paid.
If your credit report is viewed, it looks a lot better to a lender that it’s paid off versus being avoided by you.

nothing gets removed until 7 yrs after last transaction date.
You pay off these things so companies don;t look at you as a deadbeat who doesn’t pay his bills and because you got a benefit from the transaction (goods or services), you have to pay for that benefit. NOT paying it will continue to hurt your credit record for that 7 year period - car loans, mortgages, etc will be harder and more expensive to get

nothing… the negative charge will be on ur record for at least 6 years… then it will automatically be removed….

File a complaint.