Settled Gap Insurance Difference on Flood Car Debt

I was reading your article on repairing credit. I am sorry to bother you but I had a question. I had lost a car in a flood about 2 years ago. My insurance paid their part, which was about $16,000. The gap insurance was supposed to cover the rest, about $8700. They sent in most of it but not the whole amount. We were left with a $642 bill which was then charged off. We recently settled the debt for $195 with the collection agency. How can I get the charge off removed from my credit completely, any ideas? Thanks for your help

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that should have been addressed before you made payment
now you have no leverage with the creditor or collection agency.
The best and only thing to do is to dispute the item and hope for the best