Recently added charge off account

[tictoc]

I need some help, I just got an alert letting me know that an charge off account was just added to my Ex credit report so I want to know when it will come off. This account was paid off a very long time but I don't remember exactly when I paid it...Im freaking out because it was never on my report till now and my score went down like 50 points 

Payment status: Charge off

Account Type: Retail Card

Date Open: 05/01/2007

Last Updated: 07/01/2013

and on the little boxes on the bottom with the months listed it had July 2013 FP (Failure to Pay)

[09Lexie]

When you say the account was paid off, do you mean you settled/paid with the OC?

[RobertEG]

The charge-off will become excluded from the reported account no later than 7 years plus 180 days from the date of first delinquency on the OC account, after which the account was not brought back into good standing prior to their taking of the charge off.

What is the DOFD on the account?

The reporting of the account itself has no specific required deletion date.  It will deleted if requested by the creditor, or after closed for approx ten years, by the CRA.

Once the charge off is excluded, the reporting can in fact help, as it will then show postivie with an old opening date.

[azguy13]

I had a charge off from USAA from 2006. When I started paying attention to my credit report I realized what damage had been done. I sent multiple GW letters to USAA and they removed it from my CR. I would highly suggest GW letters until they take it off. Its not like they can do any worse to you. 

[tictoc]

Lexie I settled with the OC 

[DaBears]

The OC just listed their TL saying Failure To Pay?

[tictoc]

azguy I've tried GW a few times and never heard anything a while back before it was even on EX...And Robert the account doesnt tell me when the DOFD was so I have no idea.

[guiness56]

---

@tictoc wrote:

azguy I've tried GW a few times and never heard anything a while back before it was even on EX...And Robert the account doesnt tell me when the DOFD was so I have no idea.

---

You will need to pull your reports from annualcreditreport.com or directly from the CRAs to find it.

You could call the CRAs and has them what the FCRA Compliance Date is also.

[tictoc]

When I pull my reports this is the only dates it shows

Date Opened:  05/2007 Date of Status:  07/2013 Reported Since:  07/2013 Last Reported Date:  07/2013

Type:  Charge Card Terms:  N/A  Monthly Payment:  $0 Responsibility:  Individual

Credit Limit:  $800 High Balance:  N/A  Recent Balance:  $0 Recent Payment:  $0

[DaBears]

Which report are you pulling and from where?