I lost a job a little while back and couldn't pay credit card bill for about 4 months and they obviously turned off my credit to that card. I have been paying it for over a year now and have it down where I can pay it off at the next payment. I've heard you can get a card you defaulted on removed from your credit if you pay it off. Is this possible? Also I read I should call the credit card company and discuss it with them before I pay it off in full. It never went to a collection agency so I have still been paying the card company directly. Any advice? Thanks.