In 2000 and 2001, I had 4 accounts w/ late payments and 2 charge-offs. The late payments were for 2 or 3 months and have since had no other late payments. The charge-offs were paid/settled in 2005. I currently have a FICO of 694 (it varies between 680 and 705 depending upon balances and such). Any thoughts on when these 6.5-year old delinquencies will fall off my credit report? Any advice on whether I should do anything (e.g. notify/ask agencies) or just wait?