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  1. So hello to everyone. I have used a couple of different credit repair services in the past. Had great luck with the first one years ago, not so much luck with the last one. They didn't do much at all over the course of almost a year, so I cancelled. I've decided to do it myself this time. I have the time and I've done a TON of reading on credit repair thanks to credit info center. Now, I have a couple of things I can't find answers on and I'm hoping you can help me. The one I'm looking at now is a Charge off from Capital One on my Equifax CR. The odd part is, in the 81 month payment history, every month is marked "paid" or "paid as agreed" and the account is closed with a $0 balance, but the status is still marked as 'charge off". Activity designator is marked as: Transfer/sold..it's also got a date of first delinquency. I'm completely confused by this...how can it be marked as paid as agreed in the 81 month payment history and still be marked as negative credit as well? I don't even know what to request of the CRA at this point for this line item.