Charge off - Loan for Car

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Hi -

I can't find much on Charge-offs on the forum and hope you can help. :confused:

I have a charge off from Mazda American Credit from 10/05- but the "Paid Charge Off; Auto" Amount is $0 on Experian and nothing in Equifax.

I tried to dispute as not mine but the creditor validated it. (I think this is from where I traded a car in?)

Is it hurting my credit that much if the charge off is $0?

Am I "waking old dogs" if I try to dispute with CRA?

Anything else I can do directly with Mazda to get removed?

Any help would be appreciated!!!!

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