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Clk000

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do accounts go away 7 years from last payment or when closed?
its been 7 years from last payment, when does it fall off?

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7 years from the date of the first missed payment that led to the charge off, that said, if you had monthly payments you are within a month of 7 years. You can contact the bureaus and ask them for an early exclusion (meaning early deletion) and most likely all three bureaus will remove it now. Make sure you tell them that you are not disputing it, you are just asking for an early exclusion of that account. It is usually best to obtain your credit reports directly from the credit bureaus as they will each have a report number that you will be asked for when you speak with them. Also have the account number or whatever is showing of it on your reports to identify the account you are requesting to be deleted.

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