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Need help credit report I think wrong reporting

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    Need help credit report I think wrong reporting

    I settled on 6 credit cards, paid off three , the credit report reflect "paid as agreed". The other 3 say" bad debt charge off". I am paying as agreed on settlements on the last 3. I called them they said they will report that way until paid off. My way of thinking is show charged off (paying after charged off). Any ideas on the rules or regulations?
    Thanks

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