What happens when a charge-off is removed from credit report?
Emma Miller
Updated on February 01, 2026
A charge-off will remain on your credit report for seven years, and then will be automatically deleted. For example, if you stopped making payments on one of your credit cards for six months, and it was marked as a charge-off on January 1, 2020, it would remain on your credit report until January 1, 2027.
Is a charge-off no longer your debt?
A charge-off in no way erases the debt that you owe. It still exists, and you’re still liable for it. The creditor or a debt collection agency can also still attempt to collect on a charged-off debt.
Is a charge-off good on your credit report?
A charge-off means the creditor has written off your account as a loss and closed it to future charges. Charge-offs can be extremely damaging to your credit score, and they can remain on your credit report for up to seven years.
When do you get a charge off on your credit report?
A charge-off is when you’ve stopped paying off a debt and the creditor records your account as a lost cause. It’s rare to have creditors or credit reporting agencies remove a charge-off from your credit report.
Can a paid charged off account be removed from the report?
-HWM. Paying off a charged off account does not remove it immediately from your credit report. Instead, the creditor will update the account payment status to reflect “paid charge-off.”. Remember, your credit report is a credit history.
Do you have to pay off a credit card charge off?
Some consumers have been able to negotiate removal of charge-off accounts via a process called pay for delete. In the process, you offer to pay the charge-off in full in exchange for having it removed from your credit report. Creditors are not required to do this, but occasionally do agree.
How does paying off an account affect your credit report?
Paying off a charged off account does not remove it immediately from your credit report. Instead, the creditor will update the account payment status to reflect “paid charge-off.”. Remember, your credit report is a credit history.
