Account being reported as charge off..need explanation please

[littlejuanito]

I've been reading a few post where some you say that having an account reported as "Charge off" is not good for your credit score. Is this correct?
Well, my credit union, whom I had a car loan with, is reporting the voluntarly repo (I didn't wanna reaffirm the car) as a charge off. Is it normal for a car loan to be reported this way, or should they be reporting as BK?

[FilingOnMyOwn]

They should, but are not required to until you have been discharged. If you have already been discharged, you can dispute it with the credit bureau.

[littlejuanito]

I was discharged and I called the creditor. they told me I should first dispute it with the bureaus and then file a dispute with them.