Getting a Chargeoff Reomved in NY State

[Anonymous]

I know that charge offs usually stay on your report for 7 years + 180 days, but I have also heard that in NY state, it is limited to 5 years.

I had a chargeoff of a Sears card 5 years ago.  I opened the account in NY state and it got charged off while I was in NY state.  Shortly thereafter, I moved to Virginia and payed the chargeoff in full.  I wish I would have known what pay for delete was back then, but I didn't. 

Should this come off my report in 5 years, or the standard 7 + 180 days?

[mxp114]

See this topic for info: http://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/NY-5-Year-rule-on-reporting-Charged-off-accou...

[m29]

If you are currently still living in Virginia then the NYS 5 year rule no longer applies to you, unless you move back to NYS!! But if you move again (out of NYS) then it can be re-reported! 

[Anonymous]

Ok, thanks for the responses.  My parents still live in NY, could I use their address for correspondence?  If not, should I try goodwill removal letters?  I tried calling once and it didnt work. 

[m29]

At this point I believe that you should start sending GW letters! Trying to say you still live in NY by using your parents address, I just don't think is going to fly!