This is the risk you take when you co-sign a loan for someone. You will not be able to get it off of your credit report so long as they can prove you co-signed for it. If it is in charge-off status then a collection agency likely has it.Find them and tell them you will do a pay for delete. You MUST get this in writting. This is the only way I have ever seen a charge-off fall off somebodies credit report. The only other way is with time which is 7-8 years. Good luck!

If you co-signed the loan and the loan is in default, there is nothing you can do, short of bringing the loan current, to remove the charge-off from your credit report.

Once the loan is paid-off, then it will be reported as paid, but it will still (probably) be reported as being a delinquent account.

Charge-offs can stay on your report for up to 7.5 years….paid or unpaid… You might be able to negotiate a Pay for Delete agreement…where the creditor/collection agency agrees to remove the charge-off after you paid the agreed to amount…You have to pay very close to the full amount to be able to do this….Be sure to get all terms in writing first prior to giving them money….Never,ever accept verbal promises over the phone that can’t be proven….