Puffery? Anyway, thanks for the reply.

As I understand it, "charge-off" in my case would mean quite a bit to the health of my credit report: The charge-off event occurred more than 6 years ago and my credit report/score should be improving somewhat due to the reduced impact a charge-off has over time. As compared to an account reported as "active" and having multiple recent missed payments, it should have a big impact. An account reported as charged-off six years ago cannot also be reported as having a 0-30 days late payment; only an active account can claim 0-30 days late. My guess is that the creditor knows this and doesn't care about accurate reporting until forced, because they wish to inflict as much damage as possible to my credit.

Bottom line, the account was charged off but is being incorrectly reported as active and my attempts to correct that reporting have failed. I don't know how to prove that the account was charged off. Any recommendations for a lawyer in the Austin, Texas area who can help?