what is a charge off?

[debtor36K]

What ever it is it has lowered my score from 690 to 629!

[debtor36K]

After I filed bankruptcy most of my credit cards reported on my credit as included or discharged in chap 7 bankruptcy. Well there is one card, citi, that reported like this :

Account Type Credit Card - Revolving Terms
Balance $5,292.00
Date Opened 5/1/2007

Account Status Closed
Mo. Payment
Close Account Details Past Due $177.00
Payment Status Charge-off
High Balance
Limit $5,700.00
Terms Revolving
Comments Credit line closed-grantor request-reported by subscriber

I was current on all my cards when I filed so how can they claim an amount past due?? What exactly is a charge off?