A charge off by a bank or credit union means the debt has been charged off their books and yours. This means that either the debt was discharged through bankruptcy, uncollectible for other reasons and possibly sold to a collection agency. Yes, even if you have a bankruptcy your debt can be and will be considered charged off. You can certainly file a dispute with each credit reporting agency reporting it and see if that will help you, but I am unsure if the reporting will change.