Hi,
If the balance owed on the account is higher than 1k "my personal rule of thumb, not necessarily correct" I would probably wait until the account is out of sol As Pale Rider stated, charge off is an internal accounting move for the original creditor, that does not change the facts prior to the charge off.
You are so close to sol that it is not worth taking the chance. After sol is past the dispute the crap out of it
