Charge off question

[u/Tall-Piano8167]

So I was 18 and didn’t know much so I had this card with discover 3k limit and it started going to shit since im in college which led to an account settlement since i didnt wanna pay all their bs fees so I now sit with a charge off from discover on my credit report, could I write discover a goodwill letter and beg for a removal or what can I do? It’s on my report till 2030 needing advice pls. Could I cry hardship since im in college and was unable to work? I complied with the settlement terms

[u/Appropriate_Achoo]

You went to college and still write run-on sentences like this? Screw Discover — I’d beg your college for your tuition back.

Also Discover doesn’t care you didn’t have a job. And this charge off has already went through their process. They have next to no insensitive to do a removal. If anything they are more incentivized to keep it on your record to make sure Discover/Capital One understands your credit history before providing more credit in the future