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.