<prompt> Human: My wife hand a cancer scare earlier this year and there was a lot of tests a surgery ect that just buried me with my wife in school and off work. I had a capital one cred card I couldnt afford to pay and long story short it got discharged last week which I found out today when I called them to discuss setting up payments now that we had recovered enough. I ended up setting up what I could afford to pay my question is, will this have any impact on my credit score in the short term for working to pay it or is the negative impact going to last the duration of paying it back. I tried google for an answer and got no where so I thought you fine folks may know.  <response>: The charged off account will stay on your credit for 7.5 years from default. After paying it off you can contact the Cap1 Executive office to ask for goodwill by them deleting or changing the charge off. 