Pay or settle the charged-off account
Request a goodwill deletion from the creditor
Dispute inaccurate charge-off information with the credit bureaus
Dispute incorrect account details with the creditor
Ask the creditor to update the account status if it was reported incorrectly
Negotiate a pay-for-delete agreement if the creditor agrees
Wait for the charge-off to age off your credit report
Monitor your credit reports for updates after resolution