False Charge off?? What can we do??

[gemini]

My fiance recently paid off a debt to Capital One. He was about 3 months behind due to a job loss and called them and set up payments. The good news is, he just paid it off fully!!! We are trying to buy a house and when they look at his credit report, they list his Capital One as a charge-off, even when he just paid it off!!! He called Capital One and they said there is nothing he can do about it and it will stay as a charge off on his credit report for 3 years! This has obviously made it very difficult to buy the house and this was the only credit card he had besides one other one that is being paid and has never been delinqent on. How does he get that charge off to say paid??

[chane]

Around 90-180 days is when they usually charge off an account. You must have just paid it right around the time they charged it off.

If they won't help you out, the only thing you can do it dispute it.

[gemini]

He's been making $200 payments on it since March. His credit was pulled over a month ago because we were going to buy a different house with a different kind of loan and it wasn't listed as a charge off then. Why would they just list it as a charge off now, after he'd been making payments and of course, right after he paid it off? That doesn't make sense to me.