What is better for my credit report? Paid in full or charge off with 0 balance?I am negotiating a settlement on a 2nd mortgage on my property. The creditor has agreed to report the account as charged off with 0 balance. Should I try to get them to report the account as paid in full? Which scenario will be better for my credit score?February 20 2011 - Dallas00YesReport a ProblemProblemSelect oneOffensive contentIrrelevant contentSpam (pure self-promotion)OtherDetailsYour emailPlease enter a valid email address.Submit CancelContent flaggedWe will review this content. Thanks for helping make the site more useful to everyone. To learn more, read Zillow's Good Neighbor Policy.We're sorry. This service is temporarily unavailable. Please come back later and try again.