If thecharge-offhas been paid in full, it will be listed on the credit report as paid in full.
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This documentation known as media in the debt buying industry may include the original account application, monthly statements, affidavits of sale andcharge-offstatements.
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Thecharge-off, though, does not free the debtor of having to pay the debt.
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Acharge-offis one of the most adverse factors that can be listed on a credit report.
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Acharge-offis considered to be written off as uncollectable.
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While acharge-offis considered to be written off as uncollectable by the bank, the debt is still legally valid, and remains as such after the fact.
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