Charge off Falls date?

Charge off Falls date?
MichaelApash asked 3 years ago

All,

 

I am aware that charge off has to be in my trade line for 7 full years in order to fall off from my report.  Question is from what date that it count, which date is the clock start and stop kicking?

 

1 charge off

 

opened date : 3/1/2010

date last report of CO : 10/20/2014

Major Delinquency :02/2013

First Delinquncy date : 08/2012

 

Which of these date is the clock start till 7years to falls off? ALSO I heard you can still call the credit bureause to have them remove in 6.5 years?

 

Charge off is paid and settled. 

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