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How long do charge offs stay on your credit report?

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Charge offs will stay on your credit report for 3 to 7 years

First answer by Amandatilley. Last edit by Amandatilley. Contributor trust: 19 [recommend contributor ]. Question popularity: 9 [recommend question].

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How long can a charge off stay on your credit report?
Pretty sure that it's seven years. Why don't you contest it?
What is a Charge-off in a credit report?
A charged off account is similar to a collection on your credit report. The creditor has written off the debt owed and closed the account. The debt is still valid though and can be collected on. The...
How long can a charged off debt stay on your credit report?
7 years from the date of first delinquency
How long do charge offs remain on your credit report?
The Fair Credit Reporting Act allows charge offs and collection accounts to show for 7 years, plus 180 days from the last time you paid the account (on time) immediately prior to the charge off.