"I have a chargeoff from a cell phone company for $200. It's listed on my reports as a PAID chargeoff w/ a zero balance. Am I trying to get this off of my report? HELL YES! I have a PAID chargeoff from Target. Am I trying to get this off of my report? HELL YES! " I have the same situation with two of my accounts that I paid in 1996 (so I can't use the new FCRA amendment inacted in 1997 regarding first date of delinquency). They both now read paid/chargeoff $0 balance. Have you had any success getting the cell phone and Target chargeoff's removed from your credit report? If yes, would you mind sharing your plan of action? Thanks!