I paid off a credit card bill late (went to collections) and on credit report it now says charged of

so i found out when applying for a new job recently that it was on there, and it is ruining my credit score..I called the company in which the card was from and the guy (idiot) i talked to said that it can still say %26quot;charged off%26quot; but have a zero balance saying that I paid it off next to it....that doesn%26#039;t make sense, if I paid it off, shouldn%26#039;t it just say something in the likes of %26quot;late payment%26quot;. that alone is ruining my credit score.....what should I do??

I paid off a credit card bill late (went to collections) and on credit report it now says charged off...?

File a credit bureau dispute.

I paid off a credit card bill late (went to collections) and on credit report it now says charged off...?

If this bill went to a collection agency, they are correct in labeling it %26quot;charged off%26quot;. The company (you got the card from) loses money by having to turn over the account to a collection agency to get money from you. Even if you eventually paid it in full, the credit card company lost money and you take a hit on your credit. Next time, at the very least- pay the minimum due instead of skippng payments.