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bobs76stingray

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How do I get credit cards that have been charged-off 10 years ago?
The credit cards have been charged off 10 years ago.They are in the hands of a collection company,or companies.Since they were charged off that long ago,should'nt they be removed from my credit report now.I live in Tennessee and the limit is 7 years for bad marks on your credit report.But since these accounts are in the hands of collection companies,can I have them removed?

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Not necessisarily. The term 'charged off' has no specific meaning to credit reports. The creditors may have charged it off and sold the balance to a collection agency, then, if you had contact with the collection agency and even acknowledged that you are the debtor on the account then the clock starts again. For 7 years...

It is always 7 years after then last payment or acknowledgement that you owe the debt.

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