I have a charge off from sears from 02/2000 on experian and 1/2003 on transunion and equifax It has 1 30 day, 1 60 day and 2 90 day against it Should I try for a deletion or Call sears about it.. When I made the deal for it in 1999 I was told it would be marked paid.. Didn't even know charge off was an option..