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Hi! Maybe this will help. I also had two student loans with sallie mae in good standing/never late that are closed. They are still on my report and they were from 2004. I think for your charge offs, it's reported 7 years from the first deliquency or 7 years from the last date of activity. When was the first missed payment or late payment? It should be 7 years from that date. Also, on your credit reports, you may see a estimated date of removal. I see those dates on my transunion and experian reports. I hope this helps.
Welcom to the Forum! What is the date it went into Charge Off staus? Thats the date it goes by, not the date the account was opened.
I have never purchased my credit report, so I don't know what those show. If you haven't already this year, I would get my official credit report from each credit bureau by going to annualcreditreport.com. It's free. These reports should have key pieces of information like the first delinquency, and expected date of deletion. TThey will also give you the entire history of the account. If you see any mistakes on your report, use the report number at the top of each credit report to go to each reporting agency to file a dispute. You will get a confirmation number and notification when they have come to some resolution.